| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2737% | 450 |
| Cost of funding earning assets | 2.5525% | 332 |
| Net interest margin | 3.7212% | 1,715 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.4155% | 2,542 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.8585% | 557 |
| Return on assets (ROA) | 1.8585% | 540 |
| Pretax return on assets | 1.8585% | 813 |
| Return on Equity (ROE) | 18.3600% | 772 |
| Retained earnings to average equity (ytd only) | 18.3613% | 177 |
| Net charge-offs to loans | 0.0056% | 2,497 |
| Credit loss provision to net charge-offs | 3,966.6667% | 131 |
| Earnings coverage of net charge-offs (x) | 479.0460% | 302 |
| Efficiency ratio | 54.3496% | 3,651 |
| Assets per employee ($millions) | 7.7530% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2044% | 2,276 |
| Loan loss allowance to noncurrent loans | 168.3807% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 950 |
| Noncurrent loans to loans | 0.7153% | 1,090 |
| Net loans and leases to total assets | 73.0500% | 1,467 |
| Net loans and leases to deposits | 94.0327% | 937 |
| Net loans and leases to core deposits | 108.4246% | 1,019 |
| Total domestic deposits to total assets | 77.6800% | 3,769 |
| Equity capital to assets | 10.2689% | 1,860 |
| Core capital (leverage) ratio | 10.8453% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8540% | 953 |
| Memoranda: |
| Average total assets | $2,054,199,400 | 560 |
| Average earning assets | $1,993,383,800 | 522 |
| Average equity | $207,921,400 | 523 |
| Average total loans | $1,558,824,200 | 502 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1722% | 435 |
| Cost of funding earning assets | 2.4258% | 318 |
| Net interest margin | 3.7464% | 1,695 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.4638% | 2,336 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.8351% | 619 |
| Return on assets (ROA) | 1.8351% | 611 |
| Pretax return on assets | 1.8351% | 952 |
| Return on Equity (ROE) | 18.2000% | 927 |
| Retained earnings to average equity (ytd only) | 18.2026% | 331 |
| Net charge-offs to loans | -0.0003% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.7591% | 3,520 |
| Assets per employee ($millions) | 7.5518% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2010% | 2,355 |
| Loan loss allowance to noncurrent loans | 177.4531% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 1,097 |
| Noncurrent loans to loans | 0.6768% | 1,223 |
| Net loans and leases to total assets | 75.1400% | 1,219 |
| Net loans and leases to deposits | 96.1571% | 747 |
| Net loans and leases to core deposits | 112.0711% | 792 |
| Total domestic deposits to total assets | 78.1500% | 3,797 |
| Equity capital to assets | 10.2264% | 1,688 |
| Core capital (leverage) ratio | 10.4715% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3986% | 1,036 |
| Memoranda: |
| Average total assets | $2,013,409,000 | 569 |
| Average earning assets | $1,953,931,500 | 535 |
| Average equity | $202,977,250 | 528 |
| Average total loans | $1,538,671,250 | 511 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9862% | 446 |
| Cost of funding earning assets | 2.2118% | 329 |
| Net interest margin | 3.7743% | 1,672 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.4796% | 2,264 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.8585% | 604 |
| Return on assets (ROA) | 1.8585% | 597 |
| Pretax return on assets | 1.8585% | 924 |
| Return on Equity (ROE) | 18.5300% | 889 |
| Retained earnings to average equity (ytd only) | 18.5297% | 312 |
| Net charge-offs to loans | -0.0005% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.4926% | 3,569 |
| Assets per employee ($millions) | 7.6988% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1606% | 2,655 |
| Loan loss allowance to noncurrent loans | 190.8639% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 1,103 |
| Noncurrent loans to loans | 0.6081% | 1,229 |
| Net loans and leases to total assets | 75.0200% | 1,160 |
| Net loans and leases to deposits | 95.7381% | 746 |
| Net loans and leases to core deposits | 115.2860% | 642 |
| Total domestic deposits to total assets | 78.3600% | 3,802 |
| Equity capital to assets | 9.9300% | 1,897 |
| Core capital (leverage) ratio | 10.2611% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5823% | 1,196 |
| Memoranda: |
| Average total assets | $1,979,713,333 | 566 |
| Average earning assets | $1,920,332,333 | 534 |
| Average equity | $198,557,333 | 528 |
| Average total loans | $1,515,493,667 | 505 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6137% | 512 |
| Cost of funding earning assets | 1.8102% | 442 |
| Net interest margin | 3.8035% | 1,681 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.4611% | 2,345 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.8790% | 593 |
| Return on assets (ROA) | 1.8790% | 586 |
| Pretax return on assets | 1.8790% | 939 |
| Return on Equity (ROE) | 18.6300% | 942 |
| Retained earnings to average equity (ytd only) | 18.6335% | 467 |
| Net charge-offs to loans | 0.0008% | 2,033 |
| Credit loss provision to net charge-offs | 30,566.6667% | 11 |
| Earnings coverage of net charge-offs (x) | 3,329.3333% | 21 |
| Efficiency ratio | 54.2192% | 3,580 |
| Assets per employee ($millions) | 7.5784% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1266% | 2,922 |
| Loan loss allowance to noncurrent loans | 551.1791% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 2,309 |
| Noncurrent loans to loans | 0.2044% | 2,453 |
| Net loans and leases to total assets | 71.2800% | 1,493 |
| Net loans and leases to deposits | 89.9208% | 1,051 |
| Net loans and leases to core deposits | 113.1276% | 609 |
| Total domestic deposits to total assets | 79.2700% | 3,872 |
| Equity capital to assets | 9.3399% | 2,265 |
| Core capital (leverage) ratio | 11.4660% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7966% | 1,420 |
| Memoranda: |
| Average total assets | $1,922,536,000 | 592 |
| Average earning assets | $1,867,006,000 | 560 |
| Average equity | $193,866,000 | 550 |
| Average total loans | $1,478,556,000 | 523 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7350% | 118 |
| Cost of funding earning assets | 0.7421% | 490 |
| Net interest margin | 4.9929% | 139 |
| Noninterest income to average assets | 1.5500% | 334 |
| Noninterest expense to average assets | 3.4240% | 533 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 2.7238% | 130 |
| Return on assets (ROA) | 2.7238% | 127 |
| Pretax return on assets | 2.7238% | 161 |
| Return on Equity (ROE) | 24.0100% | 244 |
| Retained earnings to average equity (ytd only) | 20.1461% | 90 |
| Net charge-offs to loans | 0.0001% | 2,619 |
| Credit loss provision to net charge-offs | 294,300.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 40,525.0000% | 2 |
| Efficiency ratio | 53.8266% | 3,809 |
| Assets per employee ($millions) | 5.8551% | 2,900 |
| Cash dividends to net income (ytd only)* | 16.0822% | 3,030 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1521% | 2,635 |
| Loan loss allowance to noncurrent loans | 370.8013% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 1,754 |
| Noncurrent loans to loans | 0.3107% | 2,035 |
| Net loans and leases to total assets | 81.9300% | 413 |
| Net loans and leases to deposits | 95.6692% | 668 |
| Net loans and leases to core deposits | 111.0709% | 575 |
| Total domestic deposits to total assets | 85.6400% | 2,820 |
| Equity capital to assets | 11.0074% | 1,254 |
| Core capital (leverage) ratio | 11.9954% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6584% | 1,197 |
| Memoranda: |
| Average total assets | $1,379,741,600 | 752 |
| Average earning assets | $1,330,678,600 | 723 |
| Average equity | $156,546,800 | 658 |
| Average total loans | $1,101,128,800 | 629 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6870% | 97 |
| Cost of funding earning assets | 0.4712% | 873 |
| Net interest margin | 5.2158% | 95 |
| Noninterest income to average assets | 1.5800% | 341 |
| Noninterest expense to average assets | 3.6337% | 427 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 2.7437% | 124 |
| Return on assets (ROA) | 2.7437% | 120 |
| Pretax return on assets | 2.7437% | 168 |
| Return on Equity (ROE) | 23.9500% | 223 |
| Retained earnings to average equity (ytd only) | 18.5176% | 143 |
| Net charge-offs to loans | -0.0001% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.0687% | 3,717 |
| Assets per employee ($millions) | 5.8839% | 2,863 |
| Cash dividends to net income (ytd only)* | 22.6664% | 2,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1583% | 2,755 |
| Loan loss allowance to noncurrent loans | 708.0381% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 2,437 |
| Noncurrent loans to loans | 0.1636% | 2,782 |
| Net loans and leases to total assets | 84.0600% | 237 |
| Net loans and leases to deposits | 97.2189% | 486 |
| Net loans and leases to core deposits | 112.2922% | 404 |
| Total domestic deposits to total assets | 86.4600% | 2,938 |
| Equity capital to assets | 11.2602% | 1,079 |
| Core capital (leverage) ratio | 12.3134% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4765% | 1,291 |
| Memoranda: |
| Average total assets | $1,295,794,500 | 799 |
| Average earning assets | $1,247,533,000 | 766 |
| Average equity | $148,474,750 | 688 |
| Average total loans | $1,020,931,500 | 671 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7810% | 83 |
| Cost of funding earning assets | 0.3413% | 1,354 |
| Net interest margin | 5.4397% | 74 |
| Noninterest income to average assets | 1.7445% | 275 |
| Noninterest expense to average assets | 3.9421% | 293 |
| Loan and lease loss provision to assets | 0.2060% | 396 |
| Net operating income to assets | 2.8235% | 81 |
| Return on assets (ROA) | 2.8235% | 77 |
| Pretax return on assets | 2.8235% | 122 |
| Return on Equity (ROE) | 24.4561% | 128 |
| Retained earnings to average equity (ytd only) | 15.7320% | 211 |
| Net charge-offs to loans | -0.0094% | 3,570 |
| Credit loss provision to net charge-offs | -2,874.4186% | 3,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5449% | 3,720 |
| Assets per employee ($millions) | 5.1300% | 3,562 |
| Cash dividends to net income (ytd only)* | 35.6725% | 1,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1917% | 2,727 |
| Loan loss allowance to noncurrent loans | 511.7872% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 2,337 |
| Noncurrent loans to loans | 0.2329% | 2,555 |
| Net loans and leases to total assets | 82.8878% | 245 |
| Net loans and leases to deposits | 97.4529% | 366 |
| Net loans and leases to core deposits | 111.5353% | 324 |
| Total domestic deposits to total assets | 85.0542% | 3,475 |
| Equity capital to assets | 11.4923% | 1,034 |
| Core capital (leverage) ratio | 12.2793% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9939% | 992 |
| Memoranda: |
| Average total assets | $1,200,134,667 | 854 |
| Average earning assets | $1,153,227,000 | 827 |
| Average equity | $138,558,333 | 730 |
| Average total loans | $912,570,333 | 727 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5285% | 46 |
| Cost of funding earning assets | 0.3828% | 971 |
| Net interest margin | 6.1457% | 45 |
| Noninterest income to average assets | 1.6311% | 318 |
| Noninterest expense to average assets | 4.2765% | 232 |
| Loan and lease loss provision to assets | 0.2323% | 293 |
| Net operating income to assets | 3.0123% | 77 |
| Return on assets (ROA) | 3.0123% | 75 |
| Pretax return on assets | 3.0130% | 106 |
| Return on Equity (ROE) | 26.0085% | 83 |
| Retained earnings to average equity (ytd only) | 6.3910% | 2,113 |
| Net charge-offs to loans | -0.0202% | 3,919 |
| Credit loss provision to net charge-offs | -1,626.3158% | 3,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8544% | 3,805 |
| Assets per employee ($millions) | 4.5644% | 4,093 |
| Cash dividends to net income (ytd only)* | 75.4274% | 773 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2591% | 2,555 |
| Loan loss allowance to noncurrent loans | 649.8847% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,529 |
| Noncurrent loans to loans | 0.1937% | 2,846 |
| Net loans and leases to total assets | 78.6347% | 328 |
| Net loans and leases to deposits | 90.0252% | 511 |
| Net loans and leases to core deposits | 105.3223% | 363 |
| Total domestic deposits to total assets | 87.3474% | 2,799 |
| Equity capital to assets | 11.5669% | 1,105 |
| Core capital (leverage) ratio | 10.9876% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5078% | 971 |
| Memoranda: |
| Average total assets | $1,064,045,500 | 929 |
| Average earning assets | $1,019,900,000 | 909 |
| Average equity | $123,236,500 | 840 |
| Average total loans | $751,312,000 | 828 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5612% | 2,483 |
| Cost of funding earning assets | 0.0908% | 4,451 |
| Net interest margin | 3.4703% | 1,831 |
| Noninterest income to average assets | 0.8787% | 1,261 |
| Noninterest expense to average assets | 2.5191% | 2,125 |
| Loan and lease loss provision to assets | 0.0053% | 2,974 |
| Net operating income to assets | 1.6562% | 698 |
| Return on assets (ROA) | 1.6562% | 732 |
| Pretax return on assets | 1.6578% | 1,253 |
| Return on Equity (ROE) | 14.1725% | 1,135 |
| Retained earnings to average equity (ytd only) | 11.0110% | 700 |
| Net charge-offs to loans | 0.0021% | 2,564 |
| Credit loss provision to net charge-offs | 450.0000% | 854 |
| Earnings coverage of net charge-offs (x) | 1,406.7500% | 103 |
| Efficiency ratio | 60.2332% | 3,114 |
| Assets per employee ($millions) | 5.3107% | 3,462 |
| Cash dividends to net income (ytd only)* | 22.3075% | 2,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3314% | 2,231 |
| Loan loss allowance to noncurrent loans | 5,604.3956% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,017 |
| Noncurrent loans to loans | 0.0238% | 3,900 |
| Net loans and leases to total assets | 52.3296% | 3,024 |
| Net loans and leases to deposits | 59.4824% | 3,127 |
| Net loans and leases to core deposits | 61.9706% | 3,166 |
| Total domestic deposits to total assets | 87.9750% | 2,056 |
| Equity capital to assets | 11.6110% | 1,452 |
| Core capital (leverage) ratio | 11.6732% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5149% | 964 |
| Memoranda: |
| Average total assets | $676,679,600 | 1,315 |
| Average earning assets | $644,145,200 | 1,301 |
| Average equity | $79,075,800 | 1,219 |
| Average total loans | $378,582,400 | 1,433 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6793% | 2,333 |
| Cost of funding earning assets | 0.0944% | 4,541 |
| Net interest margin | 3.5849% | 1,633 |
| Noninterest income to average assets | 0.8996% | 1,257 |
| Noninterest expense to average assets | 2.4546% | 2,261 |
| Loan and lease loss provision to assets | 0.0047% | 2,885 |
| Net operating income to assets | 1.8556% | 606 |
| Return on assets (ROA) | 1.8556% | 628 |
| Pretax return on assets | 1.8572% | 1,031 |
| Return on Equity (ROE) | 15.8514% | 980 |
| Retained earnings to average equity (ytd only) | 11.5714% | 922 |
| Net charge-offs to loans | -0.0021% | 3,230 |
| Credit loss provision to net charge-offs | -383.3333% | 3,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8669% | 3,431 |
| Assets per employee ($millions) | 5.5096% | 3,192 |
| Cash dividends to net income (ytd only)* | 27.0008% | 2,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3317% | 2,325 |
| Loan loss allowance to noncurrent loans | 5,257.7320% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,128 |
| Noncurrent loans to loans | 0.0253% | 4,014 |
| Net loans and leases to total assets | 53.5823% | 3,020 |
| Net loans and leases to deposits | 60.9857% | 3,139 |
| Net loans and leases to core deposits | 63.9775% | 3,143 |
| Total domestic deposits to total assets | 87.8603% | 1,930 |
| Equity capital to assets | 11.6482% | 1,577 |
| Core capital (leverage) ratio | 11.5188% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8690% | 984 |
| Memoranda: |
| Average total assets | $665,285,500 | 1,348 |
| Average earning assets | $634,094,500 | 1,329 |
| Average equity | $77,879,500 | 1,250 |
| Average total loans | $377,464,500 | 1,463 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5121% | 2,862 |
| Cost of funding earning assets | 0.0959% | 4,606 |
| Net interest margin | 3.4161% | 2,089 |
| Noninterest income to average assets | 0.9246% | 1,205 |
| Noninterest expense to average assets | 2.4743% | 2,226 |
| Loan and lease loss provision to assets | 0.0025% | 2,825 |
| Net operating income to assets | 1.7007% | 869 |
| Return on assets (ROA) | 1.7007% | 922 |
| Pretax return on assets | 1.7025% | 1,474 |
| Return on Equity (ROE) | 14.5022% | 1,285 |
| Retained earnings to average equity (ytd only) | 7.9626% | 2,086 |
| Net charge-offs to loans | -0.0117% | 3,727 |
| Credit loss provision to net charge-offs | -36.3636% | 2,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2043% | 3,126 |
| Assets per employee ($millions) | 5.2583% | 3,400 |
| Cash dividends to net income (ytd only)* | 45.0938% | 1,397 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3133% | 2,374 |
| Loan loss allowance to noncurrent loans | 4,904.8077% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,191 |
| Noncurrent loans to loans | 0.0268% | 4,080 |
| Net loans and leases to total assets | 55.6474% | 2,942 |
| Net loans and leases to deposits | 63.0962% | 3,093 |
| Net loans and leases to core deposits | 66.8699% | 3,044 |
| Total domestic deposits to total assets | 88.1947% | 1,724 |
| Equity capital to assets | 11.3599% | 1,725 |
| Core capital (leverage) ratio | 11.3921% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2718% | 919 |
| Memoranda: |
| Average total assets | $651,972,667 | 1,361 |
| Average earning assets | $621,170,000 | 1,342 |
| Average equity | $76,457,333 | 1,264 |
| Average total loans | $375,627,667 | 1,471 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5225% | 2,853 |
| Cost of funding earning assets | 0.1012% | 4,638 |
| Net interest margin | 3.4213% | 2,054 |
| Noninterest income to average assets | 0.9275% | 1,259 |
| Noninterest expense to average assets | 2.4434% | 2,345 |
| Loan and lease loss provision to assets | 0.0006% | 2,737 |
| Net operating income to assets | 1.7464% | 868 |
| Return on assets (ROA) | 1.7464% | 922 |
| Pretax return on assets | 1.7489% | 1,398 |
| Return on Equity (ROE) | 14.6427% | 1,290 |
| Retained earnings to average equity (ytd only) | 1.4082% | 4,143 |
| Net charge-offs to loans | -0.0228% | 4,059 |
| Credit loss provision to net charge-offs | -4.7619% | 2,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2744% | 3,266 |
| Assets per employee ($millions) | 5.3574% | 3,271 |
| Cash dividends to net income (ytd only)* | 90.3832% | 495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3457% | 2,221 |
| Loan loss allowance to noncurrent loans | 4,588.2883% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,256 |
| Noncurrent loans to loans | 0.0293% | 4,139 |
| Net loans and leases to total assets | 57.1232% | 2,894 |
| Net loans and leases to deposits | 64.9335% | 3,032 |
| Net loans and leases to core deposits | 69.4086% | 2,919 |
| Total domestic deposits to total assets | 87.9719% | 1,859 |
| Equity capital to assets | 11.5820% | 1,491 |
| Core capital (leverage) ratio | 11.9255% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5660% | 840 |
| Memoranda: |
| Average total assets | $633,538,000 | 1,389 |
| Average earning assets | $604,686,000 | 1,360 |
| Average equity | $75,560,000 | 1,267 |
| Average total loans | $369,229,500 | 1,492 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2465% | 2,005 |
| Cost of funding earning assets | 0.2198% | 4,508 |
| Net interest margin | 4.0268% | 925 |
| Noninterest income to average assets | 1.0971% | 886 |
| Noninterest expense to average assets | 2.7420% | 2,111 |
| Loan and lease loss provision to assets | 0.0072% | 4,264 |
| Net operating income to assets | 2.1551% | 197 |
| Return on assets (ROA) | 2.1551% | 208 |
| Pretax return on assets | 2.1590% | 321 |
| Return on Equity (ROE) | 16.9559% | 417 |
| Retained earnings to average equity (ytd only) | 8.4546% | 919 |
| Net charge-offs to loans | -0.0085% | 4,226 |
| Credit loss provision to net charge-offs | -129.0323% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8650% | 3,998 |
| Assets per employee ($millions) | 4.7584% | 3,651 |
| Cash dividends to net income (ytd only)* | 50.1379% | 1,826 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4072% | 1,944 |
| Loan loss allowance to noncurrent loans | 482.0342% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 3,419 |
| Noncurrent loans to loans | 0.2919% | 3,149 |
| Net loans and leases to total assets | 57.8814% | 3,095 |
| Net loans and leases to deposits | 66.3896% | 3,235 |
| Net loans and leases to core deposits | 69.7270% | 3,271 |
| Total domestic deposits to total assets | 87.1845% | 1,848 |
| Equity capital to assets | 12.2867% | 1,427 |
| Core capital (leverage) ratio | 12.2207% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4463% | 724 |
| Memoranda: |
| Average total assets | $555,296,600 | 1,425 |
| Average earning assets | $525,556,600 | 1,401 |
| Average equity | $70,577,000 | 1,288 |
| Average total loans | $364,365,600 | 1,467 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3589% | 1,956 |
| Cost of funding earning assets | 0.2490% | 4,517 |
| Net interest margin | 4.1099% | 884 |
| Noninterest income to average assets | 1.0915% | 869 |
| Noninterest expense to average assets | 2.7930% | 1,987 |
| Loan and lease loss provision to assets | 0.0044% | 4,214 |
| Net operating income to assets | 2.1733% | 215 |
| Return on assets (ROA) | 2.1733% | 232 |
| Pretax return on assets | 2.1768% | 358 |
| Return on Equity (ROE) | 16.9396% | 454 |
| Retained earnings to average equity (ytd only) | 5.4069% | 2,373 |
| Net charge-offs to loans | -0.0124% | 4,279 |
| Credit loss provision to net charge-offs | -52.9412% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1499% | 3,904 |
| Assets per employee ($millions) | 4.6908% | 3,610 |
| Cash dividends to net income (ytd only)* | 68.0812% | 874 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3203% | 2,077 |
| Loan loss allowance to noncurrent loans | 923.5832% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 3,964 |
| Noncurrent loans to loans | 0.1430% | 3,813 |
| Net loans and leases to total assets | 64.3963% | 2,721 |
| Net loans and leases to deposits | 74.0843% | 2,946 |
| Net loans and leases to core deposits | 78.2336% | 2,987 |
| Total domestic deposits to total assets | 86.9231% | 1,701 |
| Equity capital to assets | 12.3284% | 1,496 |
| Core capital (leverage) ratio | 12.3216% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9935% | 785 |
| Memoranda: |
| Average total assets | $540,662,250 | 1,434 |
| Average earning assets | $510,787,500 | 1,416 |
| Average equity | $69,366,250 | 1,295 |
| Average total loans | $365,365,250 | 1,456 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5702% | 1,728 |
| Cost of funding earning assets | 0.2955% | 4,496 |
| Net interest margin | 4.2747% | 795 |
| Noninterest income to average assets | 1.0917% | 833 |
| Noninterest expense to average assets | 2.8544% | 1,963 |
| Loan and lease loss provision to assets | 0.0038% | 4,117 |
| Net operating income to assets | 2.2617% | 205 |
| Return on assets (ROA) | 2.2617% | 224 |
| Pretax return on assets | 2.2648% | 323 |
| Return on Equity (ROE) | 17.3761% | 415 |
| Retained earnings to average equity (ytd only) | -0.1696% | 4,341 |
| Net charge-offs to loans | -0.0072% | 4,112 |
| Credit loss provision to net charge-offs | -76.9231% | 3,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7174% | 3,980 |
| Assets per employee ($millions) | 4.6026% | 3,651 |
| Cash dividends to net income (ytd only)* | 100.9761% | 481 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3246% | 1,891 |
| Loan loss allowance to noncurrent loans | 900.1792% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,039 |
| Noncurrent loans to loans | 0.1472% | 3,866 |
| Net loans and leases to total assets | 66.0948% | 2,616 |
| Net loans and leases to deposits | 75.9905% | 2,867 |
| Net loans and leases to core deposits | 81.0717% | 2,863 |
| Total domestic deposits to total assets | 86.9776% | 1,627 |
| Equity capital to assets | 12.2683% | 1,502 |
| Core capital (leverage) ratio | 12.2873% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $525,434,000 | 1,449 |
| Average earning assets | $495,515,000 | 1,424 |
| Average equity | $68,392,667 | 1,295 |
| Average total loans | $359,607,667 | 1,462 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7936% | 1,437 |
| Cost of funding earning assets | 0.4042% | 4,348 |
| Net interest margin | 4.3894% | 637 |
| Noninterest income to average assets | 1.0533% | 772 |
| Noninterest expense to average assets | 2.9492% | 2,013 |
| Loan and lease loss provision to assets | 0.0079% | 3,661 |
| Net operating income to assets | 2.2135% | 176 |
| Return on assets (ROA) | 2.2135% | 195 |
| Pretax return on assets | 2.2158% | 283 |
| Return on Equity (ROE) | 16.4745% | 384 |
| Retained earnings to average equity (ytd only) | -18.8911% | 4,947 |
| Net charge-offs to loans | 0.0080% | 2,279 |
| Credit loss provision to net charge-offs | 142.8571% | 1,608 |
| Earnings coverage of net charge-offs (x) | 401.1429% | 169 |
| Efficiency ratio | 57.0116% | 4,113 |
| Assets per employee ($millions) | 4.2905% | 3,542 |
| Cash dividends to net income (ytd only)* | 214.6691% | 269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4360% | 1,562 |
| Loan loss allowance to noncurrent loans | 721.9336% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 3,966 |
| Noncurrent loans to loans | 0.1989% | 3,765 |
| Net loans and leases to total assets | 66.6957% | 2,733 |
| Net loans and leases to deposits | 77.0587% | 2,972 |
| Net loans and leases to core deposits | 83.3656% | 2,901 |
| Total domestic deposits to total assets | 86.5518% | 1,748 |
| Equity capital to assets | 12.8793% | 1,507 |
| Core capital (leverage) ratio | 12.7834% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $505,091,500 | 1,454 |
| Average earning assets | $474,048,000 | 1,435 |
| Average equity | $67,862,500 | 1,299 |
| Average total loans | $349,812,500 | 1,454 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1431% | 1,124 |
| Cost of funding earning assets | 0.5096% | 4,043 |
| Net interest margin | 4.6334% | 538 |
| Noninterest income to average assets | 1.0467% | 865 |
| Noninterest expense to average assets | 2.8851% | 2,338 |
| Loan and lease loss provision to assets | 0.0167% | 3,686 |
| Net operating income to assets | 2.5077% | 133 |
| Return on assets (ROA) | 2.5077% | 142 |
| Pretax return on assets | 2.5101% | 208 |
| Return on Equity (ROE) | 18.4424% | 306 |
| Retained earnings to average equity (ytd only) | 3.6245% | 3,184 |
| Net charge-offs to loans | 0.0226% | 2,959 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 151.0964% | 492 |
| Efficiency ratio | 53.3098% | 4,493 |
| Assets per employee ($millions) | 4.2700% | 3,546 |
| Cash dividends to net income (ytd only)* | 80.3471% | 781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4238% | 1,439 |
| Loan loss allowance to noncurrent loans | 2,242.6009% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,419 |
| Noncurrent loans to loans | 0.0635% | 4,285 |
| Net loans and leases to total assets | 69.9002% | 2,411 |
| Net loans and leases to deposits | 81.8375% | 2,578 |
| Net loans and leases to core deposits | 87.0225% | 2,706 |
| Total domestic deposits to total assets | 85.4134% | 2,341 |
| Equity capital to assets | 14.0140% | 1,091 |
| Core capital (leverage) ratio | 13.5485% | 1,039 |
| Tier 1 risk-based capital ratio | 18.2347% | 1,704 |
| Total risk-based capital ratio | 19.4861% | 1,656 |
| Memoranda: |
| Average total assets | $496,305,200 | 1,436 |
| Average earning assets | $467,582,400 | 1,421 |
| Average equity | $67,485,800 | 1,256 |
| Average total loans | $367,759,600 | 1,364 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1491% | 1,159 |
| Cost of funding earning assets | 0.5187% | 4,067 |
| Net interest margin | 4.6304% | 575 |
| Noninterest income to average assets | 1.0391% | 859 |
| Noninterest expense to average assets | 2.8661% | 2,357 |
| Loan and lease loss provision to assets | 0.0105% | 3,681 |
| Net operating income to assets | 2.5275% | 155 |
| Return on assets (ROA) | 2.5275% | 164 |
| Pretax return on assets | 2.5299% | 237 |
| Return on Equity (ROE) | 18.7309% | 337 |
| Retained earnings to average equity (ytd only) | 2.8117% | 3,966 |
| Net charge-offs to loans | 0.0172% | 2,791 |
| Credit loss provision to net charge-offs | 81.2500% | 2,483 |
| Earnings coverage of net charge-offs (x) | 197.0992% | 440 |
| Efficiency ratio | 53.0122% | 4,499 |
| Assets per employee ($millions) | 4.3634% | 3,393 |
| Cash dividends to net income (ytd only)* | 84.9889% | 538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3876% | 1,625 |
| Loan loss allowance to noncurrent loans | 367.7966% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,461 |
| Noncurrent loans to loans | 0.3773% | 3,204 |
| Net loans and leases to total assets | 71.3078% | 2,277 |
| Net loans and leases to deposits | 83.3328% | 2,524 |
| Net loans and leases to core deposits | 89.2794% | 2,608 |
| Total domestic deposits to total assets | 85.5699% | 2,179 |
| Equity capital to assets | 13.7494% | 1,252 |
| Core capital (leverage) ratio | 13.5752% | 1,108 |
| Tier 1 risk-based capital ratio | 17.6199% | 1,917 |
| Total risk-based capital ratio | 18.8708% | 1,879 |
| Memoranda: |
| Average total assets | $496,550,250 | 1,438 |
| Average earning assets | $468,339,750 | 1,428 |
| Average equity | $67,003,500 | 1,260 |
| Average total loans | $371,891,000 | 1,361 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1773% | 1,028 |
| Cost of funding earning assets | 0.5262% | 4,003 |
| Net interest margin | 4.6510% | 549 |
| Noninterest income to average assets | 1.0317% | 820 |
| Noninterest expense to average assets | 2.8606% | 2,379 |
| Loan and lease loss provision to assets | 0.0085% | 3,571 |
| Net operating income to assets | 2.5523% | 142 |
| Return on assets (ROA) | 2.5523% | 147 |
| Pretax return on assets | 2.5547% | 219 |
| Return on Equity (ROE) | 19.0352% | 313 |
| Retained earnings to average equity (ytd only) | 1.0009% | 4,435 |
| Net charge-offs to loans | 0.0133% | 2,659 |
| Credit loss provision to net charge-offs | 84.0000% | 2,188 |
| Earnings coverage of net charge-offs (x) | 254.4000% | 320 |
| Efficiency ratio | 52.7419% | 4,590 |
| Assets per employee ($millions) | 4.1267% | 3,693 |
| Cash dividends to net income (ytd only)* | 94.7418% | 520 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3470% | 1,825 |
| Loan loss allowance to noncurrent loans | 591.2426% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 3,922 |
| Noncurrent loans to loans | 0.2278% | 3,725 |
| Net loans and leases to total assets | 73.2800% | 2,007 |
| Net loans and leases to deposits | 85.2797% | 2,340 |
| Net loans and leases to core deposits | 92.6425% | 2,353 |
| Total domestic deposits to total assets | 85.9291% | 2,069 |
| Equity capital to assets | 13.4571% | 1,343 |
| Core capital (leverage) ratio | 13.1977% | 1,212 |
| Tier 1 risk-based capital ratio | 16.9956% | 2,093 |
| Total risk-based capital ratio | 18.2462% | 2,032 |
| Memoranda: |
| Average total assets | $496,256,670 | 1,441 |
| Average earning assets | $468,627,000 | 1,417 |
| Average equity | $66,540,000 | 1,263 |
| Average total loans | $375,955,330 | 1,344 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2355% | 844 |
| Cost of funding earning assets | 0.5227% | 3,962 |
| Net interest margin | 4.7128% | 479 |
| Noninterest income to average assets | 1.0147% | 773 |
| Noninterest expense to average assets | 2.8186% | 2,505 |
| Loan and lease loss provision to assets | 0.0097% | 3,310 |
| Net operating income to assets | 2.6310% | 132 |
| Return on assets (ROA) | 2.6310% | 142 |
| Pretax return on assets | 2.6334% | 203 |
| Return on Equity (ROE) | 19.6581% | 285 |
| Retained earnings to average equity (ytd only) | -4.5067% | 4,898 |
| Net charge-offs to loans | 0.0180% | 2,111 |
| Credit loss provision to net charge-offs | 70.5882% | 1,845 |
| Earnings coverage of net charge-offs (x) | 192.2941% | 405 |
| Efficiency ratio | 51.6062% | 4,722 |
| Assets per employee ($millions) | 4.0536% | 3,840 |
| Cash dividends to net income (ytd only)* | 122.9256% | 454 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3316% | 1,949 |
| Loan loss allowance to noncurrent loans | 646.1837% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 3,825 |
| Noncurrent loans to loans | 0.2061% | 3,848 |
| Net loans and leases to total assets | 73.6333% | 1,875 |
| Net loans and leases to deposits | 85.2902% | 2,216 |
| Net loans and leases to core deposits | 92.6726% | 2,242 |
| Total domestic deposits to total assets | 86.3327% | 2,130 |
| Equity capital to assets | 13.1068% | 1,392 |
| Core capital (leverage) ratio | 13.0416% | 1,255 |
| Tier 1 risk-based capital ratio | 16.5226% | 2,256 |
| Total risk-based capital ratio | 17.7730% | 2,209 |
| Memoranda: |
| Average total assets | $494,718,000 | 1,450 |
| Average earning assets | $466,813,000 | 1,434 |
| Average equity | $66,212,000 | 1,261 |
| Average total loans | $378,479,000 | 1,344 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9299% | 1,204 |
| Cost of funding earning assets | 0.3316% | 4,400 |
| Net interest margin | 4.5983% | 605 |
| Noninterest income to average assets | 1.0453% | 865 |
| Noninterest expense to average assets | 2.7456% | 2,873 |
| Loan and lease loss provision to assets | 0.0571% | 3,027 |
| Net operating income to assets | 2.5829% | 127 |
| Return on assets (ROA) | 2.5829% | 125 |
| Pretax return on assets | 2.5854% | 175 |
| Return on Equity (ROE) | 19.5033% | 285 |
| Retained earnings to average equity (ytd only) | 7.0511% | 1,651 |
| Net charge-offs to loans | 0.0204% | 3,020 |
| Credit loss provision to net charge-offs | 364.4737% | 878 |
| Earnings coverage of net charge-offs (x) | 168.6711% | 513 |
| Efficiency ratio | 50.9565% | 4,880 |
| Assets per employee ($millions) | 4.0907% | 3,759 |
| Cash dividends to net income (ytd only)* | 63.8468% | 1,331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3094% | 1,993 |
| Loan loss allowance to noncurrent loans | 206.8680% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 2,546 |
| Noncurrent loans to loans | 0.6330% | 2,400 |
| Net loans and leases to total assets | 77.4149% | 1,370 |
| Net loans and leases to deposits | 90.2699% | 1,762 |
| Net loans and leases to core deposits | 96.2553% | 2,044 |
| Total domestic deposits to total assets | 85.7594% | 2,342 |
| Equity capital to assets | 13.6698% | 1,082 |
| Core capital (leverage) ratio | 13.3585% | 1,126 |
| Tier 1 risk-based capital ratio | 16.4596% | 2,252 |
| Total risk-based capital ratio | 17.7098% | 2,189 |
| Memoranda: |
| Average total assets | $485,105,800 | 1,444 |
| Average earning assets | $458,145,800 | 1,424 |
| Average equity | $64,245,400 | 1,246 |
| Average total loans | $373,185,200 | 1,326 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8425% | 1,316 |
| Cost of funding earning assets | 0.3153% | 4,412 |
| Net interest margin | 4.5272% | 701 |
| Noninterest income to average assets | 1.0544% | 854 |
| Noninterest expense to average assets | 2.7178% | 2,923 |
| Loan and lease loss provision to assets | 0.0385% | 3,231 |
| Net operating income to assets | 2.5737% | 141 |
| Return on assets (ROA) | 2.5737% | 139 |
| Pretax return on assets | 2.5762% | 201 |
| Return on Equity (ROE) | 19.5919% | 297 |
| Retained earnings to average equity (ytd only) | 7.0276% | 2,113 |
| Net charge-offs to loans | 0.0155% | 2,875 |
| Credit loss provision to net charge-offs | 325.5814% | 964 |
| Earnings coverage of net charge-offs (x) | 221.0539% | 411 |
| Efficiency ratio | 50.9672% | 4,885 |
| Assets per employee ($millions) | 4.0097% | 3,868 |
| Cash dividends to net income (ytd only)* | 64.1300% | 1,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3222% | 1,990 |
| Loan loss allowance to noncurrent loans | 556.9966% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 4,037 |
| Noncurrent loans to loans | 0.2374% | 3,849 |
| Net loans and leases to total assets | 75.3115% | 1,761 |
| Net loans and leases to deposits | 87.6932% | 2,191 |
| Net loans and leases to core deposits | 94.1698% | 2,274 |
| Total domestic deposits to total assets | 85.8807% | 2,248 |
| Equity capital to assets | 13.4576% | 1,150 |
| Core capital (leverage) ratio | 13.3300% | 1,165 |
| Tier 1 risk-based capital ratio | 16.9626% | 2,118 |
| Total risk-based capital ratio | 18.2131% | 2,069 |
| Memoranda: |
| Average total assets | $484,684,750 | 1,450 |
| Average earning assets | $458,015,000 | 1,419 |
| Average equity | $63,671,000 | 1,255 |
| Average total loans | $371,019,500 | 1,336 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7941% | 1,264 |
| Cost of funding earning assets | 0.3020% | 4,402 |
| Net interest margin | 4.4921% | 712 |
| Noninterest income to average assets | 1.0555% | 866 |
| Noninterest expense to average assets | 2.7124% | 2,970 |
| Loan and lease loss provision to assets | 0.0103% | 3,645 |
| Net operating income to assets | 2.5733% | 135 |
| Return on assets (ROA) | 2.5733% | 136 |
| Pretax return on assets | 2.5757% | 198 |
| Return on Equity (ROE) | 19.7496% | 283 |
| Retained earnings to average equity (ytd only) | 7.0774% | 2,040 |
| Net charge-offs to loans | 0.0135% | 2,684 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 250.6000% | 355 |
| Efficiency ratio | 51.1920% | 4,953 |
| Assets per employee ($millions) | 4.1684% | 3,632 |
| Cash dividends to net income (ytd only)* | 64.1643% | 1,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2735% | 2,301 |
| Loan loss allowance to noncurrent loans | 518.2505% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 4,027 |
| Noncurrent loans to loans | 0.2457% | 3,821 |
| Net loans and leases to total assets | 76.9387% | 1,477 |
| Net loans and leases to deposits | 89.3387% | 1,931 |
| Net loans and leases to core deposits | 96.5509% | 2,008 |
| Total domestic deposits to total assets | 86.1202% | 2,226 |
| Equity capital to assets | 13.2757% | 1,195 |
| Core capital (leverage) ratio | 12.9694% | 1,229 |
| Tier 1 risk-based capital ratio | 16.3031% | 2,334 |
| Total risk-based capital ratio | 17.5532% | 2,271 |
| Memoranda: |
| Average total assets | $484,521,670 | 1,456 |
| Average earning assets | $457,643,000 | 1,427 |
| Average equity | $63,130,330 | 1,267 |
| Average total loans | $371,263,330 | 1,335 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7276% | 1,241 |
| Cost of funding earning assets | 0.2825% | 4,486 |
| Net interest margin | 4.4451% | 692 |
| Noninterest income to average assets | 0.9723% | 973 |
| Noninterest expense to average assets | 2.7051% | 3,026 |
| Loan and lease loss provision to assets | 0.0074% | 3,415 |
| Net operating income to assets | 2.4618% | 156 |
| Return on assets (ROA) | 2.4618% | 158 |
| Pretax return on assets | 2.4643% | 233 |
| Return on Equity (ROE) | 19.0738% | 314 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,587 |
| Net charge-offs to loans | 0.0109% | 2,356 |
| Credit loss provision to net charge-offs | 90.0000% | 1,672 |
| Earnings coverage of net charge-offs (x) | 299.7000% | 232 |
| Efficiency ratio | 52.2543% | 4,941 |
| Assets per employee ($millions) | 4.1525% | 3,721 |
| Cash dividends to net income (ytd only)* | 67.0017% | 1,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3086% | 2,209 |
| Loan loss allowance to noncurrent loans | 497.7178% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 4,067 |
| Noncurrent loans to loans | 0.2629% | 3,822 |
| Net loans and leases to total assets | 74.4814% | 1,791 |
| Net loans and leases to deposits | 86.1257% | 2,150 |
| Net loans and leases to core deposits | 93.1523% | 2,195 |
| Total domestic deposits to total assets | 86.4799% | 2,327 |
| Equity capital to assets | 12.9638% | 1,265 |
| Core capital (leverage) ratio | 12.7714% | 1,262 |
| Tier 1 risk-based capital ratio | 16.2634% | 2,371 |
| Total risk-based capital ratio | 17.5138% | 2,322 |
| Memoranda: |
| Average total assets | $485,014,000 | 1,460 |
| Average earning assets | $458,756,000 | 1,436 |
| Average equity | $62,599,000 | 1,281 |
| Average total loans | $368,482,000 | 1,348 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8932% | 808 |
| Cost of funding earning assets | 0.2560% | 4,513 |
| Net interest margin | 4.6371% | 458 |
| Noninterest income to average assets | 1.0043% | 1,010 |
| Noninterest expense to average assets | 2.7941% | 2,796 |
| Loan and lease loss provision to assets | 0.1596% | 1,407 |
| Net operating income to assets | 2.4255% | 136 |
| Return on assets (ROA) | 2.3771% | 143 |
| Pretax return on assets | 2.3797% | 225 |
| Return on Equity (ROE) | 18.2174% | 286 |
| Retained earnings to average equity (ytd only) | 5.0331% | 2,107 |
| Net charge-offs to loans | 0.1464% | 1,623 |
| Credit loss provision to net charge-offs | 141.8738% | 1,869 |
| Earnings coverage of net charge-offs (x) | 23.0076% | 1,830 |
| Efficiency ratio | 51.9180% | 5,105 |
| Assets per employee ($millions) | 4.4017% | 3,346 |
| Cash dividends to net income (ytd only)* | 72.3720% | 1,149 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2960% | 2,236 |
| Loan loss allowance to noncurrent loans | 524.4809% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 4,043 |
| Noncurrent loans to loans | 0.2471% | 3,909 |
| Net loans and leases to total assets | 75.4886% | 1,682 |
| Net loans and leases to deposits | 91.5059% | 1,589 |
| Net loans and leases to core deposits | 97.2973% | 1,912 |
| Total domestic deposits to total assets | 82.4958% | 3,735 |
| Equity capital to assets | 12.8493% | 1,341 |
| Core capital (leverage) ratio | 12.6324% | 1,295 |
| Tier 1 risk-based capital ratio | 15.8616% | 2,487 |
| Total risk-based capital ratio | 17.1119% | 2,429 |
| Memoranda: |
| Average total assets | $465,014,200 | 1,495 |
| Average earning assets | $438,977,800 | 1,476 |
| Average equity | $60,678,200 | 1,302 |
| Average total loans | $357,272,200 | 1,356 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9209% | 727 |
| Cost of funding earning assets | 0.2468% | 4,591 |
| Net interest margin | 4.6741% | 426 |
| Noninterest income to average assets | 1.0227% | 981 |
| Noninterest expense to average assets | 2.7166% | 3,002 |
| Loan and lease loss provision to assets | 0.1425% | 1,481 |
| Net operating income to assets | 2.5720% | 123 |
| Return on assets (ROA) | 2.5720% | 124 |
| Pretax return on assets | 2.5746% | 189 |
| Return on Equity (ROE) | 19.6321% | 239 |
| Retained earnings to average equity (ytd only) | 6.3642% | 2,024 |
| Net charge-offs to loans | 0.0591% | 2,277 |
| Credit loss provision to net charge-offs | 313.3758% | 952 |
| Earnings coverage of net charge-offs (x) | 59.7383% | 995 |
| Efficiency ratio | 49.9947% | 5,249 |
| Assets per employee ($millions) | 4.3366% | 3,417 |
| Cash dividends to net income (ytd only)* | 67.5828% | 1,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3115% | 2,308 |
| Loan loss allowance to noncurrent loans | 561.7143% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 4,184 |
| Noncurrent loans to loans | 0.2335% | 4,129 |
| Net loans and leases to total assets | 76.8331% | 1,446 |
| Net loans and leases to deposits | 95.6691% | 1,136 |
| Net loans and leases to core deposits | 101.3852% | 1,593 |
| Total domestic deposits to total assets | 80.3113% | 4,252 |
| Equity capital to assets | 12.8677% | 1,458 |
| Core capital (leverage) ratio | 13.1742% | 1,139 |
| Tier 1 risk-based capital ratio | 15.4205% | 2,737 |
| Total risk-based capital ratio | 16.6706% | 2,683 |
| Memoranda: |
| Average total assets | $460,222,250 | 1,523 |
| Average earning assets | $434,328,000 | 1,499 |
| Average equity | $60,294,250 | 1,317 |
| Average total loans | $354,015,000 | 1,379 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9437% | 631 |
| Cost of funding earning assets | 0.2443% | 4,595 |
| Net interest margin | 4.6994% | 395 |
| Noninterest income to average assets | 1.0089% | 1,003 |
| Noninterest expense to average assets | 2.7561% | 2,901 |
| Loan and lease loss provision to assets | 0.0786% | 2,412 |
| Net operating income to assets | 2.6030% | 117 |
| Return on assets (ROA) | 2.6030% | 115 |
| Pretax return on assets | 2.6056% | 184 |
| Return on Equity (ROE) | 19.7438% | 226 |
| Retained earnings to average equity (ytd only) | 6.3536% | 1,935 |
| Net charge-offs to loans | 0.0334% | 2,528 |
| Credit loss provision to net charge-offs | 306.8966% | 947 |
| Earnings coverage of net charge-offs (x) | 104.8621% | 632 |
| Efficiency ratio | 50.6612% | 5,264 |
| Assets per employee ($millions) | 4.1307% | 3,737 |
| Cash dividends to net income (ytd only)* | 67.8196% | 1,209 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3109% | 2,355 |
| Loan loss allowance to noncurrent loans | 452.7938% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 4,173 |
| Noncurrent loans to loans | 0.2895% | 4,005 |
| Net loans and leases to total assets | 77.1690% | 1,367 |
| Net loans and leases to deposits | 89.6064% | 1,789 |
| Net loans and leases to core deposits | 95.9788% | 1,982 |
| Total domestic deposits to total assets | 86.1200% | 2,329 |
| Equity capital to assets | 13.3088% | 1,230 |
| Core capital (leverage) ratio | 13.2849% | 1,059 |
| Tier 1 risk-based capital ratio | 16.1308% | 2,450 |
| Total risk-based capital ratio | 17.3812% | 2,396 |
| Memoranda: |
| Average total assets | $453,173,670 | 1,552 |
| Average earning assets | $427,330,330 | 1,528 |
| Average equity | $59,745,330 | 1,323 |
| Average total loans | $347,098,330 | 1,401 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5924% | 1,161 |
| Cost of funding earning assets | 0.2553% | 4,494 |
| Net interest margin | 4.3371% | 718 |
| Noninterest income to average assets | 1.0007% | 1,005 |
| Noninterest expense to average assets | 2.7329% | 3,022 |
| Loan and lease loss provision to assets | 0.0107% | 3,423 |
| Net operating income to assets | 2.3414% | 180 |
| Return on assets (ROA) | 2.3414% | 180 |
| Pretax return on assets | 2.3440% | 277 |
| Return on Equity (ROE) | 17.8456% | 351 |
| Retained earnings to average equity (ytd only) | 4.3108% | 3,268 |
| Net charge-offs to loans | 0.0258% | 2,241 |
| Credit loss provision to net charge-offs | 54.5455% | 1,948 |
| Earnings coverage of net charge-offs (x) | 120.5455% | 453 |
| Efficiency ratio | 53.7173% | 5,156 |
| Assets per employee ($millions) | 4.0664% | 3,903 |
| Cash dividends to net income (ytd only)* | 75.8438% | 1,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3443% | 2,326 |
| Loan loss allowance to noncurrent loans | 616.7341% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 4,549 |
| Noncurrent loans to loans | 0.2180% | 4,326 |
| Net loans and leases to total assets | 71.7200% | 2,111 |
| Net loans and leases to deposits | 86.9493% | 1,919 |
| Net loans and leases to core deposits | 91.8944% | 2,175 |
| Total domestic deposits to total assets | 82.4849% | 4,023 |
| Equity capital to assets | 12.7190% | 1,393 |
| Core capital (leverage) ratio | 12.8024% | 1,216 |
| Tier 1 risk-based capital ratio | 16.4466% | 2,382 |
| Total risk-based capital ratio | 17.6971% | 2,325 |
| Memoranda: |
| Average total assets | $450,506,500 | 1,568 |
| Average earning assets | $424,525,000 | 1,547 |
| Average equity | $59,107,000 | 1,332 |
| Average total loans | $341,384,500 | 1,423 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7238% | 1,018 |
| Cost of funding earning assets | 0.2137% | 4,894 |
| Net interest margin | 4.5100% | 607 |
| Noninterest income to average assets | 1.1501% | 860 |
| Noninterest expense to average assets | 2.8914% | 2,702 |
| Loan and lease loss provision to assets | 0.1239% | 2,001 |
| Net operating income to assets | 2.3816% | 172 |
| Return on assets (ROA) | 2.3816% | 175 |
| Pretax return on assets | 2.3847% | 235 |
| Return on Equity (ROE) | 17.5798% | 357 |
| Retained earnings to average equity (ytd only) | 8.8039% | 628 |
| Net charge-offs to loans | 0.0620% | 2,824 |
| Credit loss provision to net charge-offs | 261.8090% | 1,098 |
| Earnings coverage of net charge-offs (x) | 53.0151% | 975 |
| Efficiency ratio | 53.5447% | 5,278 |
| Assets per employee ($millions) | 3.7361% | 4,420 |
| Cash dividends to net income (ytd only)* | 49.9201% | 2,300 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3360% | 2,354 |
| Loan loss allowance to noncurrent loans | 562.6536% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 4,509 |
| Noncurrent loans to loans | 0.2374% | 4,298 |
| Net loans and leases to total assets | 78.0452% | 1,189 |
| Net loans and leases to deposits | 98.8041% | 758 |
| Net loans and leases to core deposits | 101.7655% | 1,460 |
| Total domestic deposits to total assets | 78.9899% | 4,801 |
| Equity capital to assets | 13.5529% | 1,022 |
| Core capital (leverage) ratio | 13.7087% | 897 |
| Tier 1 risk-based capital ratio | 16.9132% | 2,182 |
| Total risk-based capital ratio | 18.1644% | 2,132 |
| Memoranda: |
| Average total assets | $420,561,600 | 1,614 |
| Average earning assets | $396,294,800 | 1,589 |
| Average equity | $56,974,600 | 1,346 |
| Average total loans | $321,212,000 | 1,444 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6756% | 1,120 |
| Cost of funding earning assets | 0.2155% | 4,920 |
| Net interest margin | 4.4601% | 689 |
| Noninterest income to average assets | 1.1657% | 844 |
| Noninterest expense to average assets | 2.8697% | 2,742 |
| Loan and lease loss provision to assets | 0.0888% | 2,452 |
| Net operating income to assets | 2.4097% | 180 |
| Return on assets (ROA) | 2.4097% | 190 |
| Pretax return on assets | 2.4126% | 251 |
| Return on Equity (ROE) | 17.7894% | 375 |
| Retained earnings to average equity (ytd only) | 10.7142% | 455 |
| Net charge-offs to loans | 0.0448% | 2,751 |
| Credit loss provision to net charge-offs | 262.2642% | 1,159 |
| Earnings coverage of net charge-offs (x) | 73.8678% | 829 |
| Efficiency ratio | 53.4289% | 5,277 |
| Assets per employee ($millions) | 4.0295% | 3,916 |
| Cash dividends to net income (ytd only)* | 39.7720% | 2,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4016% | 2,193 |
| Loan loss allowance to noncurrent loans | 496.0806% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 4,126 |
| Noncurrent loans to loans | 0.2825% | 4,251 |
| Net loans and leases to total assets | 72.2789% | 2,148 |
| Net loans and leases to deposits | 91.8619% | 1,517 |
| Net loans and leases to core deposits | 95.1421% | 2,083 |
| Total domestic deposits to total assets | 78.6821% | 4,792 |
| Equity capital to assets | 13.7177% | 1,156 |
| Core capital (leverage) ratio | 13.6215% | 962 |
| Tier 1 risk-based capital ratio | 18.5070% | 1,788 |
| Total risk-based capital ratio | 19.7592% | 1,752 |
| Memoranda: |
| Average total assets | $417,356,500 | 1,624 |
| Average earning assets | $393,520,750 | 1,598 |
| Average equity | $56,534,250 | 1,370 |
| Average total loans | $315,811,500 | 1,468 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7211% | 1,005 |
| Cost of funding earning assets | 0.2145% | 4,997 |
| Net interest margin | 4.5066% | 613 |
| Noninterest income to average assets | 1.1280% | 882 |
| Noninterest expense to average assets | 2.8903% | 2,709 |
| Loan and lease loss provision to assets | 0.1274% | 1,787 |
| Net operating income to assets | 2.3520% | 187 |
| Return on assets (ROA) | 2.3520% | 196 |
| Pretax return on assets | 2.3554% | 279 |
| Return on Equity (ROE) | 17.4404% | 399 |
| Retained earnings to average equity (ytd only) | 10.2544% | 549 |
| Net charge-offs to loans | 0.0532% | 2,441 |
| Credit loss provision to net charge-offs | 313.0952% | 933 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 864 |
| Efficiency ratio | 53.7920% | 5,327 |
| Assets per employee ($millions) | 3.8629% | 4,149 |
| Cash dividends to net income (ytd only)* | 41.2031% | 2,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3711% | 2,427 |
| Loan loss allowance to noncurrent loans | 451.3733% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 4,097 |
| Noncurrent loans to loans | 0.3038% | 4,280 |
| Net loans and leases to total assets | 76.5069% | 1,411 |
| Net loans and leases to deposits | 96.0796% | 1,073 |
| Net loans and leases to core deposits | 100.8528% | 1,569 |
| Total domestic deposits to total assets | 79.6287% | 4,643 |
| Equity capital to assets | 13.7674% | 1,110 |
| Core capital (leverage) ratio | 13.3393% | 1,043 |
| Tier 1 risk-based capital ratio | 17.8989% | 1,961 |
| Total risk-based capital ratio | 19.1511% | 1,918 |
| Memoranda: |
| Average total assets | $412,755,670 | 1,637 |
| Average earning assets | $388,810,000 | 1,611 |
| Average equity | $55,664,000 | 1,389 |
| Average total loans | $315,726,330 | 1,466 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7943% | 860 |
| Cost of funding earning assets | 0.2070% | 5,138 |
| Net interest margin | 4.5873% | 512 |
| Noninterest income to average assets | 1.0464% | 992 |
| Noninterest expense to average assets | 2.9162% | 2,652 |
| Loan and lease loss provision to assets | 0.1578% | 1,326 |
| Net operating income to assets | 2.2907% | 206 |
| Return on assets (ROA) | 2.2907% | 214 |
| Pretax return on assets | 2.2907% | 321 |
| Return on Equity (ROE) | 17.1676% | 417 |
| Retained earnings to average equity (ytd only) | 9.8654% | 878 |
| Net charge-offs to loans | 0.0603% | 1,904 |
| Credit loss provision to net charge-offs | 344.6809% | 778 |
| Earnings coverage of net charge-offs (x) | 53.4681% | 841 |
| Efficiency ratio | 54.3589% | 5,356 |
| Assets per employee ($millions) | 3.6881% | 4,490 |
| Cash dividends to net income (ytd only)* | 42.5351% | 2,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3701% | 2,561 |
| Loan loss allowance to noncurrent loans | 495.8050% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 4,198 |
| Noncurrent loans to loans | 0.2763% | 4,444 |
| Net loans and leases to total assets | 76.8948% | 1,264 |
| Net loans and leases to deposits | 92.2346% | 1,315 |
| Net loans and leases to core deposits | 97.1355% | 1,693 |
| Total domestic deposits to total assets | 83.3687% | 3,762 |
| Equity capital to assets | 13.6065% | 1,138 |
| Core capital (leverage) ratio | 13.3705% | 1,033 |
| Tier 1 risk-based capital ratio | 17.6967% | 2,069 |
| Total risk-based capital ratio | 18.9489% | 2,032 |
| Memoranda: |
| Average total assets | $410,536,000 | 1,645 |
| Average earning assets | $386,461,000 | 1,620 |
| Average equity | $54,777,500 | 1,412 |
| Average total loans | $311,779,500 | 1,471 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4641% | 1,706 |
| Cost of funding earning assets | 0.2204% | 5,092 |
| Net interest margin | 4.2436% | 1,074 |
| Noninterest income to average assets | 1.1239% | 936 |
| Noninterest expense to average assets | 2.8042% | 3,208 |
| Loan and lease loss provision to assets | 0.0343% | 3,668 |
| Net operating income to assets | 2.2854% | 217 |
| Return on assets (ROA) | 2.2854% | 221 |
| Pretax return on assets | 2.2867% | 300 |
| Return on Equity (ROE) | 18.0570% | 376 |
| Retained earnings to average equity (ytd only) | 10.2646% | 427 |
| Net charge-offs to loans | 0.0363% | 3,492 |
| Credit loss provision to net charge-offs | 134.9515% | 1,940 |
| Earnings coverage of net charge-offs (x) | 91.3883% | 626 |
| Efficiency ratio | 54.7147% | 5,471 |
| Assets per employee ($millions) | 3.6113% | 4,627 |
| Cash dividends to net income (ytd only)* | 43.1546% | 2,690 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3988% | 2,424 |
| Loan loss allowance to noncurrent loans | 405.5238% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 4,066 |
| Noncurrent loans to loans | 0.3449% | 4,231 |
| Net loans and leases to total assets | 72.9031% | 1,905 |
| Net loans and leases to deposits | 84.4222% | 2,316 |
| Net loans and leases to core deposits | 86.8017% | 2,718 |
| Total domestic deposits to total assets | 86.3554% | 2,459 |
| Equity capital to assets | 13.0809% | 1,314 |
| Core capital (leverage) ratio | 12.3604% | 1,420 |
| Tier 1 risk-based capital ratio | 17.9599% | 1,974 |
| Total risk-based capital ratio | 19.2125% | 1,933 |
| Memoranda: |
| Average total assets | $405,568,400 | 1,628 |
| Average earning assets | $382,407,800 | 1,596 |
| Average equity | $51,331,800 | 1,447 |
| Average total loans | $283,838,400 | 1,537 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4515% | 1,750 |
| Cost of funding earning assets | 0.2200% | 5,183 |
| Net interest margin | 4.2315% | 1,102 |
| Noninterest income to average assets | 1.1187% | 965 |
| Noninterest expense to average assets | 2.7954% | 3,204 |
| Loan and lease loss provision to assets | 0.0125% | 4,020 |
| Net operating income to assets | 2.2991% | 218 |
| Return on assets (ROA) | 2.2991% | 228 |
| Pretax return on assets | 2.3024% | 334 |
| Return on Equity (ROE) | 18.3212% | 383 |
| Retained earnings to average equity (ytd only) | 10.4320% | 566 |
| Net charge-offs to loans | 0.0187% | 3,568 |
| Credit loss provision to net charge-offs | 97.4359% | 2,344 |
| Earnings coverage of net charge-offs (x) | 179.8673% | 403 |
| Efficiency ratio | 54.7010% | 5,463 |
| Assets per employee ($millions) | 3.7894% | 4,287 |
| Cash dividends to net income (ytd only)* | 43.0601% | 2,168 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4939% | 2,184 |
| Loan loss allowance to noncurrent loans | 528.9474% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 4,915 |
| Noncurrent loans to loans | 0.2824% | 4,570 |
| Net loans and leases to total assets | 66.7741% | 2,883 |
| Net loans and leases to deposits | 81.5607% | 2,697 |
| Net loans and leases to core deposits | 84.4248% | 2,989 |
| Total domestic deposits to total assets | 81.8704% | 4,206 |
| Equity capital to assets | 12.6958% | 1,619 |
| Core capital (leverage) ratio | 12.3682% | 1,482 |
| Tier 1 risk-based capital ratio | 18.6299% | 1,871 |
| Total risk-based capital ratio | 19.8834% | 1,833 |
| Memoranda: |
| Average total assets | $404,037,250 | 1,646 |
| Average earning assets | $381,135,500 | 1,612 |
| Average equity | $50,701,500 | 1,472 |
| Average total loans | $278,699,250 | 1,570 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5296% | 1,454 |
| Cost of funding earning assets | 0.2233% | 5,218 |
| Net interest margin | 4.3062% | 908 |
| Noninterest income to average assets | 1.1216% | 958 |
| Noninterest expense to average assets | 2.8011% | 3,234 |
| Loan and lease loss provision to assets | 0.0105% | 3,899 |
| Net operating income to assets | 2.3683% | 204 |
| Return on assets (ROA) | 2.3683% | 213 |
| Pretax return on assets | 2.3713% | 301 |
| Return on Equity (ROE) | 18.9504% | 338 |
| Retained earnings to average equity (ytd only) | 10.9443% | 510 |
| Net charge-offs to loans | 0.0130% | 3,469 |
| Credit loss provision to net charge-offs | 116.6667% | 1,848 |
| Earnings coverage of net charge-offs (x) | 264.5000% | 259 |
| Efficiency ratio | 54.0444% | 5,586 |
| Assets per employee ($millions) | 3.6580% | 4,522 |
| Cash dividends to net income (ytd only)* | 42.2476% | 2,295 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5211% | 2,202 |
| Loan loss allowance to noncurrent loans | 645.0382% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 5,112 |
| Noncurrent loans to loans | 0.2358% | 4,824 |
| Net loans and leases to total assets | 66.7652% | 2,830 |
| Net loans and leases to deposits | 81.4119% | 2,625 |
| Net loans and leases to core deposits | 85.2961% | 2,853 |
| Total domestic deposits to total assets | 82.0091% | 4,292 |
| Equity capital to assets | 12.4848% | 1,667 |
| Core capital (leverage) ratio | 12.2201% | 1,528 |
| Tier 1 risk-based capital ratio | 18.3361% | 1,973 |
| Total risk-based capital ratio | 19.5897% | 1,932 |
| Memoranda: |
| Average total assets | $399,772,670 | 1,672 |
| Average earning assets | $377,034,000 | 1,637 |
| Average equity | $49,962,000 | 1,502 |
| Average total loans | $277,413,670 | 1,582 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5589% | 1,311 |
| Cost of funding earning assets | 0.2224% | 5,293 |
| Net interest margin | 4.3365% | 815 |
| Noninterest income to average assets | 1.0739% | 979 |
| Noninterest expense to average assets | 2.8307% | 3,135 |
| Loan and lease loss provision to assets | 0.0111% | 3,580 |
| Net operating income to assets | 2.3211% | 192 |
| Return on assets (ROA) | 2.3211% | 206 |
| Pretax return on assets | 2.3211% | 314 |
| Return on Equity (ROE) | 18.5624% | 344 |
| Retained earnings to average equity (ytd only) | 10.4601% | 818 |
| Net charge-offs to loans | -0.0058% | 4,538 |
| Credit loss provision to net charge-offs | -275.0000% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8273% | 5,609 |
| Assets per employee ($millions) | 3.7831% | 4,371 |
| Cash dividends to net income (ytd only)* | 43.6491% | 1,935 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5319% | 2,313 |
| Loan loss allowance to noncurrent loans | 657.9193% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 5,275 |
| Noncurrent loans to loans | 0.2328% | 4,941 |
| Net loans and leases to total assets | 66.0477% | 2,756 |
| Net loans and leases to deposits | 80.1591% | 2,543 |
| Net loans and leases to core deposits | 83.9361% | 2,778 |
| Total domestic deposits to total assets | 82.3958% | 4,381 |
| Equity capital to assets | 12.1796% | 1,908 |
| Core capital (leverage) ratio | 12.2998% | 1,461 |
| Tier 1 risk-based capital ratio | 18.5269% | 1,998 |
| Total risk-based capital ratio | 19.7813% | 1,947 |
| Memoranda: |
| Average total assets | $394,813,500 | 1,696 |
| Average earning assets | $372,284,500 | 1,662 |
| Average equity | $49,368,500 | 1,527 |
| Average total loans | $277,242,500 | 1,572 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2680% | 464 |
| Cost of funding earning assets | 0.2490% | 5,330 |
| Net interest margin | 5.0190% | 298 |
| Noninterest income to average assets | 1.1312% | 948 |
| Noninterest expense to average assets | 2.9925% | 2,865 |
| Loan and lease loss provision to assets | 0.1455% | 1,817 |
| Net operating income to assets | 2.5239% | 137 |
| Return on assets (ROA) | 2.5239% | 139 |
| Pretax return on assets | 2.5252% | 178 |
| Return on Equity (ROE) | 20.3529% | 230 |
| Retained earnings to average equity (ytd only) | 11.5287% | 333 |
| Net charge-offs to loans | 0.0915% | 3,193 |
| Credit loss provision to net charge-offs | 216.2602% | 1,149 |
| Earnings coverage of net charge-offs (x) | 39.6870% | 1,095 |
| Efficiency ratio | 52.8403% | 5,923 |
| Assets per employee ($millions) | 3.4297% | 5,005 |
| Cash dividends to net income (ytd only)* | 43.3557% | 2,677 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5193% | 2,385 |
| Loan loss allowance to noncurrent loans | 493.2243% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 5,057 |
| Noncurrent loans to loans | 0.3080% | 4,740 |
| Net loans and leases to total assets | 72.5406% | 1,824 |
| Net loans and leases to deposits | 89.3083% | 1,581 |
| Net loans and leases to core deposits | 91.6686% | 2,127 |
| Total domestic deposits to total assets | 81.2249% | 4,672 |
| Equity capital to assets | 12.8591% | 1,435 |
| Core capital (leverage) ratio | 12.3110% | 1,448 |
| Tier 1 risk-based capital ratio | 16.8717% | 2,563 |
| Total risk-based capital ratio | 18.1250% | 2,506 |
| Memoranda: |
| Average total assets | $365,548,600 | 1,783 |
| Average earning assets | $330,085,000 | 1,819 |
| Average equity | $45,330,200 | 1,587 |
| Average total loans | $268,930,600 | 1,581 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2494% | 475 |
| Cost of funding earning assets | 0.2544% | 5,361 |
| Net interest margin | 4.9951% | 301 |
| Noninterest income to average assets | 1.1236% | 960 |
| Noninterest expense to average assets | 2.9985% | 2,804 |
| Loan and lease loss provision to assets | 0.0871% | 2,611 |
| Net operating income to assets | 2.4988% | 143 |
| Return on assets (ROA) | 2.4988% | 146 |
| Pretax return on assets | 2.4999% | 210 |
| Return on Equity (ROE) | 20.3463% | 264 |
| Retained earnings to average equity (ytd only) | 11.3647% | 471 |
| Net charge-offs to loans | 0.0675% | 3,239 |
| Credit loss provision to net charge-offs | 175.5556% | 1,418 |
| Earnings coverage of net charge-offs (x) | 52.1172% | 951 |
| Efficiency ratio | 53.6831% | 5,854 |
| Assets per employee ($millions) | 3.4508% | 4,953 |
| Cash dividends to net income (ytd only)* | 44.1436% | 2,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4571% | 2,911 |
| Loan loss allowance to noncurrent loans | 442.2782% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 5,258 |
| Noncurrent loans to loans | 0.3295% | 4,920 |
| Net loans and leases to total assets | 71.9415% | 1,861 |
| Net loans and leases to deposits | 87.9838% | 1,673 |
| Net loans and leases to core deposits | 90.4449% | 2,176 |
| Total domestic deposits to total assets | 81.7667% | 4,558 |
| Equity capital to assets | 12.2671% | 1,851 |
| Core capital (leverage) ratio | 12.1790% | 1,589 |
| Tier 1 risk-based capital ratio | 15.1586% | 3,502 |
| Total risk-based capital ratio | 16.4097% | 3,435 |
| Memoranda: |
| Average total assets | $362,619,250 | 1,808 |
| Average earning assets | $323,912,500 | 1,866 |
| Average equity | $44,534,500 | 1,620 |
| Average total loans | $266,690,000 | 1,602 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4122% | 363 |
| Cost of funding earning assets | 0.2634% | 5,352 |
| Net interest margin | 5.1488% | 217 |
| Noninterest income to average assets | 1.0886% | 1,007 |
| Noninterest expense to average assets | 2.9930% | 2,855 |
| Loan and lease loss provision to assets | 0.0303% | 3,669 |
| Net operating income to assets | 2.5767% | 126 |
| Return on assets (ROA) | 2.5767% | 130 |
| Pretax return on assets | 2.5779% | 187 |
| Return on Equity (ROE) | 20.9724% | 242 |
| Retained earnings to average equity (ytd only) | 11.8520% | 440 |
| Net charge-offs to loans | 0.0198% | 3,818 |
| Credit loss provision to net charge-offs | 207.6923% | 1,130 |
| Earnings coverage of net charge-offs (x) | 179.0385% | 351 |
| Efficiency ratio | 53.4360% | 5,960 |
| Assets per employee ($millions) | 3.6065% | 4,644 |
| Cash dividends to net income (ytd only)* | 43.4877% | 2,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4638% | 3,059 |
| Loan loss allowance to noncurrent loans | 357.7617% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 5,060 |
| Noncurrent loans to loans | 0.4092% | 4,762 |
| Net loans and leases to total assets | 71.1410% | 1,899 |
| Net loans and leases to deposits | 86.8972% | 1,725 |
| Net loans and leases to core deposits | 89.9772% | 2,129 |
| Total domestic deposits to total assets | 81.8680% | 4,694 |
| Equity capital to assets | 12.1393% | 1,889 |
| Core capital (leverage) ratio | 12.2147% | 1,545 |
| Tier 1 risk-based capital ratio | 16.2719% | 2,944 |
| Total risk-based capital ratio | 17.5244% | 2,894 |
| Memoranda: |
| Average total assets | $356,961,670 | 1,837 |
| Average earning assets | $312,848,000 | 1,923 |
| Average equity | $43,857,670 | 1,638 |
| Average total loans | $263,212,670 | 1,612 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4896% | 294 |
| Cost of funding earning assets | 0.2728% | 5,356 |
| Net interest margin | 5.2168% | 179 |
| Noninterest income to average assets | 0.9934% | 1,144 |
| Noninterest expense to average assets | 2.8720% | 3,309 |
| Loan and lease loss provision to assets | 0.0517% | 3,064 |
| Net operating income to assets | 2.6639% | 126 |
| Return on assets (ROA) | 2.6639% | 133 |
| Pretax return on assets | 2.6651% | 188 |
| Return on Equity (ROE) | 21.5430% | 220 |
| Retained earnings to average equity (ytd only) | 12.2452% | 581 |
| Net charge-offs to loans | 0.0031% | 3,614 |
| Credit loss provision to net charge-offs | 2,250.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 1,181.5000% | 20 |
| Efficiency ratio | 51.3886% | 6,172 |
| Assets per employee ($millions) | 3.5587% | 4,811 |
| Cash dividends to net income (ytd only)* | 43.1593% | 1,889 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5127% | 3,089 |
| Loan loss allowance to noncurrent loans | 308.6889% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 4,919 |
| Noncurrent loans to loans | 0.4900% | 4,688 |
| Net loans and leases to total assets | 71.3675% | 1,670 |
| Net loans and leases to deposits | 87.3013% | 1,436 |
| Net loans and leases to core deposits | 91.7610% | 1,752 |
| Total domestic deposits to total assets | 81.7485% | 5,015 |
| Equity capital to assets | 12.0981% | 1,808 |
| Core capital (leverage) ratio | 12.1700% | 1,556 |
| Tier 1 risk-based capital ratio | 16.4007% | 2,947 |
| Total risk-based capital ratio | 17.6540% | 2,917 |
| Memoranda: |
| Average total assets | $347,906,500 | 1,886 |
| Average earning assets | $306,472,500 | 1,974 |
| Average equity | $43,021,000 | 1,651 |
| Average total loans | $259,422,000 | 1,639 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6651% | 280 |
| Cost of funding earning assets | 0.2678% | 5,850 |
| Net interest margin | 5.3973% | 155 |
| Noninterest income to average assets | 1.3817% | 736 |
| Noninterest expense to average assets | 3.1535% | 2,572 |
| Loan and lease loss provision to assets | 0.0450% | 4,224 |
| Net operating income to assets | 2.9685% | 111 |
| Return on assets (ROA) | 3.1785% | 95 |
| Pretax return on assets | 3.1801% | 102 |
| Return on Equity (ROE) | 24.6299% | 133 |
| Retained earnings to average equity (ytd only) | 13.3306% | 228 |
| Net charge-offs to loans | 0.1533% | 3,273 |
| Credit loss provision to net charge-offs | 40.2899% | 4,040 |
| Earnings coverage of net charge-offs (x) | 26.9710% | 1,280 |
| Efficiency ratio | 51.1215% | 6,358 |
| Assets per employee ($millions) | 3.4312% | 5,017 |
| Cash dividends to net income (ytd only)* | 45.8762% | 2,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5387% | 3,014 |
| Loan loss allowance to noncurrent loans | 323.4182% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 5,070 |
| Noncurrent loans to loans | 0.4757% | 4,802 |
| Net loans and leases to total assets | 75.6775% | 1,121 |
| Net loans and leases to deposits | 87.3464% | 1,539 |
| Net loans and leases to core deposits | 89.7936% | 2,050 |
| Total domestic deposits to total assets | 86.6406% | 2,917 |
| Equity capital to assets | 12.6575% | 1,443 |
| Core capital (leverage) ratio | 12.0013% | 1,608 |
| Tier 1 risk-based capital ratio | 16.4486% | 2,881 |
| Total risk-based capital ratio | 17.7020% | 2,839 |
| Memoranda: |
| Average total assets | $308,605,800 | 2,087 |
| Average earning assets | $273,711,000 | 2,153 |
| Average equity | $39,825,600 | 1,750 |
| Average total loans | $225,101,400 | 1,820 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7389% | 261 |
| Cost of funding earning assets | 0.2639% | 5,998 |
| Net interest margin | 5.4750% | 140 |
| Noninterest income to average assets | 1.4644% | 686 |
| Noninterest expense to average assets | 3.1800% | 2,419 |
| Loan and lease loss provision to assets | 0.0167% | 4,678 |
| Net operating income to assets | 3.1104% | 97 |
| Return on assets (ROA) | 3.3959% | 87 |
| Pretax return on assets | 3.3981% | 102 |
| Return on Equity (ROE) | 26.1767% | 101 |
| Retained earnings to average equity (ytd only) | 10.8905% | 597 |
| Net charge-offs to loans | 0.1981% | 2,651 |
| Credit loss provision to net charge-offs | 11.7647% | 4,199 |
| Earnings coverage of net charge-offs (x) | 21.9843% | 1,520 |
| Efficiency ratio | 50.4016% | 6,376 |
| Assets per employee ($millions) | 3.1977% | 5,496 |
| Cash dividends to net income (ytd only)* | 58.3961% | 1,530 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5984% | 3,006 |
| Loan loss allowance to noncurrent loans | 369.0909% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 5,397 |
| Noncurrent loans to loans | 0.4331% | 5,114 |
| Net loans and leases to total assets | 71.4001% | 1,704 |
| Net loans and leases to deposits | 88.0323% | 1,361 |
| Net loans and leases to core deposits | 90.6483% | 1,910 |
| Total domestic deposits to total assets | 81.1067% | 5,193 |
| Equity capital to assets | 12.1173% | 1,850 |
| Core capital (leverage) ratio | 12.5950% | 1,371 |
| Tier 1 risk-based capital ratio | 15.8276% | 3,285 |
| Total risk-based capital ratio | 17.0810% | 3,233 |
| Memoranda: |
| Average total assets | $302,551,500 | 2,143 |
| Average earning assets | $267,731,500 | 2,206 |
| Average equity | $39,250,250 | 1,794 |
| Average total loans | $217,424,750 | 1,882 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5898% | 326 |
| Cost of funding earning assets | 0.2722% | 6,035 |
| Net interest margin | 5.3176% | 181 |
| Noninterest income to average assets | 1.5731% | 636 |
| Noninterest expense to average assets | 3.2487% | 2,216 |
| Loan and lease loss provision to assets | 0.0130% | 4,622 |
| Net operating income to assets | 3.0620% | 111 |
| Return on assets (ROA) | 3.5050% | 82 |
| Pretax return on assets | 3.5085% | 106 |
| Return on Equity (ROE) | 26.3590% | 106 |
| Retained earnings to average equity (ytd only) | 8.3648% | 1,344 |
| Net charge-offs to loans | 0.2903% | 2,030 |
| Credit loss provision to net charge-offs | 6.2500% | 3,938 |
| Earnings coverage of net charge-offs (x) | 14.8125% | 1,795 |
| Efficiency ratio | 51.3452% | 6,322 |
| Assets per employee ($millions) | 2.9872% | 5,869 |
| Cash dividends to net income (ytd only)* | 68.2660% | 1,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7706% | 2,525 |
| Loan loss allowance to noncurrent loans | 482.7284% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 5,393 |
| Noncurrent loans to loans | 0.3668% | 5,359 |
| Net loans and leases to total assets | 73.0937% | 1,387 |
| Net loans and leases to deposits | 85.0857% | 1,677 |
| Net loans and leases to core deposits | 89.0546% | 1,998 |
| Total domestic deposits to total assets | 85.9060% | 3,422 |
| Equity capital to assets | 13.2977% | 1,223 |
| Core capital (leverage) ratio | 12.8845% | 1,210 |
| Tier 1 risk-based capital ratio | 19.0446% | 1,986 |
| Total risk-based capital ratio | 20.3030% | 1,945 |
| Memoranda: |
| Average total assets | $292,549,670 | 2,206 |
| Average earning assets | $261,546,000 | 2,253 |
| Average equity | $38,901,330 | 1,801 |
| Average total loans | $209,465,330 | 1,939 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3891% | 436 |
| Cost of funding earning assets | 0.2910% | 6,036 |
| Net interest margin | 5.0981% | 238 |
| Noninterest income to average assets | 1.4758% | 712 |
| Noninterest expense to average assets | 3.1403% | 2,543 |
| Loan and lease loss provision to assets | 0.0055% | 4,367 |
| Net operating income to assets | 2.9064% | 115 |
| Return on assets (ROA) | 3.7927% | 72 |
| Pretax return on assets | 3.7927% | 93 |
| Return on Equity (ROE) | 28.5229% | 89 |
| Retained earnings to average equity (ytd only) | 2.8081% | 4,602 |
| Net charge-offs to loans | 0.4774% | 1,248 |
| Credit loss provision to net charge-offs | 1.6327% | 3,226 |
| Earnings coverage of net charge-offs (x) | 8.6898% | 1,922 |
| Efficiency ratio | 51.8870% | 6,388 |
| Assets per employee ($millions) | 3.0830% | 5,853 |
| Cash dividends to net income (ytd only)* | 90.1551% | 747 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9076% | 2,284 |
| Loan loss allowance to noncurrent loans | 264.2954% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 1.2258% | 3,519 |
| Noncurrent loans to loans | 0.7218% | 4,688 |
| Net loans and leases to total assets | 67.7778% | 2,056 |
| Net loans and leases to deposits | 78.7267% | 2,249 |
| Net loans and leases to core deposits | 83.0077% | 2,455 |
| Total domestic deposits to total assets | 86.0926% | 3,480 |
| Equity capital to assets | 13.0469% | 1,406 |
| Core capital (leverage) ratio | 11.9842% | 1,573 |
| Tier 1 risk-based capital ratio | 19.1858% | 1,987 |
| Total risk-based capital ratio | 20.4452% | 1,957 |
| Memoranda: |
| Average total assets | $292,453,500 | 2,241 |
| Average earning assets | $262,531,500 | 2,271 |
| Average equity | $38,888,000 | 1,824 |
| Average total loans | $205,281,500 | 1,983 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3803% | 789 |
| Cost of funding earning assets | 0.2923% | 6,497 |
| Net interest margin | 5.0880% | 329 |
| Noninterest income to average assets | 1.5136% | 686 |
| Noninterest expense to average assets | 3.0044% | 3,255 |
| Loan and lease loss provision to assets | 0.2358% | 2,777 |
| Net operating income to assets | 2.9821% | 98 |
| Return on assets (ROA) | 3.0705% | 97 |
| Pretax return on assets | 3.0742% | 134 |
| Return on Equity (ROE) | 22.8163% | 190 |
| Retained earnings to average equity (ytd only) | -2.3617% | 6,210 |
| Net charge-offs to loans | 0.2194% | 3,632 |
| Credit loss provision to net charge-offs | 160.3687% | 1,677 |
| Earnings coverage of net charge-offs (x) | 21.9078% | 1,283 |
| Efficiency ratio | 48.2558% | 6,692 |
| Assets per employee ($millions) | 2.8894% | 6,176 |
| Cash dividends to net income (ytd only)* | 110.3509% | 386 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0101% | 1,990 |
| Loan loss allowance to noncurrent loans | 275.2159% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 5,040 |
| Noncurrent loans to loans | 0.7304% | 4,718 |
| Net loans and leases to total assets | 69.8830% | 1,864 |
| Net loans and leases to deposits | 81.5263% | 2,069 |
| Net loans and leases to core deposits | 84.0914% | 2,534 |
| Total domestic deposits to total assets | 85.7183% | 3,503 |
| Equity capital to assets | 13.5535% | 1,208 |
| Core capital (leverage) ratio | 12.6125% | 1,277 |
| Tier 1 risk-based capital ratio | 19.1779% | 1,909 |
| Total risk-based capital ratio | 20.4392% | 1,880 |
| Memoranda: |
| Average total assets | $295,131,400 | 2,172 |
| Average earning assets | $273,351,600 | 2,138 |
| Average equity | $39,717,200 | 1,754 |
| Average total loans | $197,808,400 | 2,023 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3347% | 950 |
| Cost of funding earning assets | 0.3033% | 6,604 |
| Net interest margin | 5.0315% | 381 |
| Noninterest income to average assets | 1.4511% | 711 |
| Noninterest expense to average assets | 3.0299% | 3,129 |
| Loan and lease loss provision to assets | 0.1649% | 3,461 |
| Net operating income to assets | 2.9279% | 110 |
| Return on assets (ROA) | 3.0133% | 109 |
| Pretax return on assets | 3.0169% | 151 |
| Return on Equity (ROE) | 22.4302% | 217 |
| Retained earnings to average equity (ytd only) | -2.6595% | 6,455 |
| Net charge-offs to loans | 0.2193% | 3,414 |
| Credit loss provision to net charge-offs | 113.9752% | 2,561 |
| Earnings coverage of net charge-offs (x) | 21.3977% | 1,409 |
| Efficiency ratio | 49.4572% | 6,627 |
| Assets per employee ($millions) | 2.9533% | 6,125 |
| Cash dividends to net income (ytd only)* | 111.8568% | 236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0283% | 2,089 |
| Loan loss allowance to noncurrent loans | 107.7113% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 3,655 |
| Noncurrent loans to loans | 1.8831% | 2,977 |
| Net loans and leases to total assets | 66.1812% | 2,620 |
| Net loans and leases to deposits | 77.5922% | 2,717 |
| Net loans and leases to core deposits | 80.3363% | 3,162 |
| Total domestic deposits to total assets | 85.2936% | 3,622 |
| Equity capital to assets | 13.8385% | 1,220 |
| Core capital (leverage) ratio | 12.8028% | 1,276 |
| Tier 1 risk-based capital ratio | 20.0269% | 1,749 |
| Total risk-based capital ratio | 21.2875% | 1,718 |
| Memoranda: |
| Average total assets | $296,678,500 | 2,178 |
| Average earning assets | $275,670,750 | 2,154 |
| Average equity | $39,856,000 | 1,761 |
| Average total loans | $195,744,500 | 2,069 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3736% | 919 |
| Cost of funding earning assets | 0.3210% | 6,641 |
| Net interest margin | 5.0526% | 368 |
| Noninterest income to average assets | 1.3603% | 775 |
| Noninterest expense to average assets | 3.0038% | 3,246 |
| Loan and lease loss provision to assets | 0.2353% | 2,720 |
| Net operating income to assets | 2.8072% | 123 |
| Return on assets (ROA) | 2.8072% | 131 |
| Pretax return on assets | 2.8106% | 195 |
| Return on Equity (ROE) | 21.0985% | 287 |
| Retained earnings to average equity (ytd only) | -3.9472% | 6,545 |
| Net charge-offs to loans | 0.2005% | 3,380 |
| Credit loss provision to net charge-offs | 179.1878% | 1,575 |
| Earnings coverage of net charge-offs (x) | 23.1980% | 1,259 |
| Efficiency ratio | 49.6530% | 6,664 |
| Assets per employee ($millions) | 3.0854% | 5,880 |
| Cash dividends to net income (ytd only)* | 118.7085% | 278 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0149% | 2,190 |
| Loan loss allowance to noncurrent loans | 83.3368% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.7164% | 3,147 |
| Noncurrent loans to loans | 2.4178% | 2,486 |
| Net loans and leases to total assets | 66.9596% | 2,470 |
| Net loans and leases to deposits | 78.1840% | 2,643 |
| Net loans and leases to core deposits | 81.8747% | 2,978 |
| Total domestic deposits to total assets | 85.6436% | 3,541 |
| Equity capital to assets | 13.5260% | 1,292 |
| Core capital (leverage) ratio | 12.4023% | 1,396 |
| Tier 1 risk-based capital ratio | 19.6650% | 1,794 |
| Total risk-based capital ratio | 20.9260% | 1,760 |
| Memoranda: |
| Average total assets | $300,082,000 | 2,157 |
| Average earning assets | $278,509,330 | 2,132 |
| Average equity | $39,927,000 | 1,748 |
| Average total loans | $196,488,330 | 2,060 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3113% | 1,073 |
| Cost of funding earning assets | 0.3309% | 6,724 |
| Net interest margin | 4.9804% | 415 |
| Noninterest income to average assets | 1.0607% | 1,285 |
| Noninterest expense to average assets | 2.9305% | 3,507 |
| Loan and lease loss provision to assets | 0.2477% | 2,482 |
| Net operating income to assets | 2.4996% | 181 |
| Return on assets (ROA) | 2.4996% | 219 |
| Pretax return on assets | 2.5036% | 329 |
| Return on Equity (ROE) | 18.9383% | 457 |
| Retained earnings to average equity (ytd only) | -6.0199% | 6,659 |
| Net charge-offs to loans | 0.2857% | 2,527 |
| Credit loss provision to net charge-offs | 135.2518% | 1,818 |
| Earnings coverage of net charge-offs (x) | 15.0216% | 1,442 |
| Efficiency ratio | 51.5770% | 6,578 |
| Assets per employee ($millions) | 3.2067% | 5,756 |
| Cash dividends to net income (ytd only)* | 131.7870% | 373 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0306% | 2,266 |
| Loan loss allowance to noncurrent loans | 67.0707% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.2062% | 2,687 |
| Noncurrent loans to loans | 3.0276% | 2,137 |
| Net loans and leases to total assets | 60.3196% | 3,591 |
| Net loans and leases to deposits | 69.6127% | 3,784 |
| Net loans and leases to core deposits | 73.0503% | 4,014 |
| Total domestic deposits to total assets | 86.6502% | 3,148 |
| Equity capital to assets | 12.6360% | 1,638 |
| Core capital (leverage) ratio | 12.0469% | 1,559 |
| Tier 1 risk-based capital ratio | 19.6189% | 1,804 |
| Total risk-based capital ratio | 20.8793% | 1,772 |
| Memoranda: |
| Average total assets | $303,564,500 | 2,144 |
| Average earning assets | $281,663,000 | 2,120 |
| Average equity | $40,067,000 | 1,734 |
| Average total loans | $194,579,500 | 2,084 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9132% | 503 |
| Cost of funding earning assets | 0.4200% | 6,832 |
| Net interest margin | 5.4932% | 178 |
| Noninterest income to average assets | 1.2910% | 774 |
| Noninterest expense to average assets | 2.9279% | 3,855 |
| Loan and lease loss provision to assets | 0.2048% | 4,136 |
| Net operating income to assets | 3.2372% | 72 |
| Return on assets (ROA) | 3.2372% | 74 |
| Pretax return on assets | 3.2433% | 105 |
| Return on Equity (ROE) | 25.3153% | 98 |
| Retained earnings to average equity (ytd only) | 13.2617% | 208 |
| Net charge-offs to loans | 0.0747% | 5,572 |
| Credit loss provision to net charge-offs | 409.5890% | 564 |
| Earnings coverage of net charge-offs (x) | 68.9521% | 434 |
| Efficiency ratio | 45.9200% | 7,049 |
| Assets per employee ($millions) | 2.9885% | 6,107 |
| Cash dividends to net income (ytd only)* | 47.6140% | 2,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9829% | 2,334 |
| Loan loss allowance to noncurrent loans | 129.7659% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 4,454 |
| Noncurrent loans to loans | 1.5281% | 3,858 |
| Net loans and leases to total assets | 65.4864% | 2,883 |
| Net loans and leases to deposits | 76.6505% | 3,064 |
| Net loans and leases to core deposits | 78.9753% | 3,575 |
| Total domestic deposits to total assets | 85.4351% | 3,629 |
| Equity capital to assets | 13.8028% | 1,137 |
| Core capital (leverage) ratio | 12.8922% | 1,182 |
| Tier 1 risk-based capital ratio | 20.4050% | 1,545 |
| Total risk-based capital ratio | 21.6653% | 1,515 |
| Memoranda: |
| Average total assets | $291,952,400 | 2,184 |
| Average earning assets | $270,259,000 | 2,162 |
| Average equity | $37,333,200 | 1,803 |
| Average total loans | $195,541,200 | 2,078 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9636% | 492 |
| Cost of funding earning assets | 0.4458% | 6,893 |
| Net interest margin | 5.5178% | 167 |
| Noninterest income to average assets | 1.2610% | 812 |
| Noninterest expense to average assets | 2.9041% | 3,914 |
| Loan and lease loss provision to assets | 0.2591% | 3,428 |
| Net operating income to assets | 3.1989% | 84 |
| Return on assets (ROA) | 3.1989% | 85 |
| Pretax return on assets | 3.2057% | 117 |
| Return on Equity (ROE) | 25.5244% | 117 |
| Retained earnings to average equity (ytd only) | 18.2306% | 111 |
| Net charge-offs to loans | 0.0621% | 5,348 |
| Credit loss provision to net charge-offs | 623.0769% | 432 |
| Earnings coverage of net charge-offs (x) | 83.3079% | 432 |
| Efficiency ratio | 45.5974% | 7,082 |
| Assets per employee ($millions) | 3.0241% | 6,059 |
| Cash dividends to net income (ytd only)* | 28.5755% | 2,542 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0290% | 2,256 |
| Loan loss allowance to noncurrent loans | 142.2741% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 4,836 |
| Noncurrent loans to loans | 1.4262% | 4,152 |
| Net loans and leases to total assets | 64.2612% | 3,257 |
| Net loans and leases to deposits | 75.3643% | 3,440 |
| Net loans and leases to core deposits | 78.1177% | 3,887 |
| Total domestic deposits to total assets | 85.2675% | 3,636 |
| Equity capital to assets | 13.8956% | 1,200 |
| Core capital (leverage) ratio | 13.1020% | 1,187 |
| Tier 1 risk-based capital ratio | 20.8986% | 1,474 |
| Total risk-based capital ratio | 22.1597% | 1,447 |
| Memoranda: |
| Average total assets | $291,721,500 | 2,199 |
| Average earning assets | $270,054,000 | 2,175 |
| Average equity | $36,560,250 | 1,842 |
| Average total loans | $195,508,000 | 2,101 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9172% | 555 |
| Cost of funding earning assets | 0.4480% | 7,013 |
| Net interest margin | 5.4693% | 185 |
| Noninterest income to average assets | 1.2418% | 817 |
| Noninterest expense to average assets | 2.9184% | 3,949 |
| Loan and lease loss provision to assets | 0.2912% | 3,061 |
| Net operating income to assets | 3.0799% | 99 |
| Return on assets (ROA) | 3.0799% | 101 |
| Pretax return on assets | 3.0888% | 135 |
| Return on Equity (ROE) | 25.5063% | 122 |
| Retained earnings to average equity (ytd only) | 14.1297% | 301 |
| Net charge-offs to loans | 0.0468% | 5,200 |
| Credit loss provision to net charge-offs | 921.7391% | 351 |
| Earnings coverage of net charge-offs (x) | 106.9783% | 341 |
| Efficiency ratio | 46.3359% | 7,143 |
| Assets per employee ($millions) | 2.9611% | 6,167 |
| Cash dividends to net income (ytd only)* | 44.6030% | 1,884 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9539% | 2,495 |
| Loan loss allowance to noncurrent loans | 180.8076% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 5,423 |
| Noncurrent loans to loans | 1.0807% | 4,861 |
| Net loans and leases to total assets | 66.4921% | 2,931 |
| Net loans and leases to deposits | 77.2851% | 3,252 |
| Net loans and leases to core deposits | 81.0346% | 3,651 |
| Total domestic deposits to total assets | 86.0348% | 3,306 |
| Equity capital to assets | 13.0690% | 1,486 |
| Core capital (leverage) ratio | 12.3314% | 1,438 |
| Tier 1 risk-based capital ratio | 19.4034% | 1,737 |
| Total risk-based capital ratio | 20.6641% | 1,706 |
| Memoranda: |
| Average total assets | $291,183,000 | 2,210 |
| Average earning assets | $269,213,670 | 2,187 |
| Average equity | $35,160,000 | 1,905 |
| Average total loans | $196,542,000 | 2,116 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9306% | 557 |
| Cost of funding earning assets | 0.4471% | 7,118 |
| Net interest margin | 5.4835% | 169 |
| Noninterest income to average assets | 1.0929% | 1,099 |
| Noninterest expense to average assets | 2.8708% | 4,187 |
| Loan and lease loss provision to assets | 0.2019% | 3,620 |
| Net operating income to assets | 3.0659% | 108 |
| Return on assets (ROA) | 3.0659% | 111 |
| Pretax return on assets | 3.0741% | 142 |
| Return on Equity (ROE) | 26.4575% | 129 |
| Retained earnings to average equity (ytd only) | 2.9083% | 4,415 |
| Net charge-offs to loans | 0.0020% | 5,099 |
| Credit loss provision to net charge-offs | 14,800.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 2,401.0000% | 3 |
| Efficiency ratio | 46.7037% | 7,172 |
| Assets per employee ($millions) | 3.0341% | 6,089 |
| Cash dividends to net income (ytd only)* | 89.0076% | 702 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8109% | 2,976 |
| Loan loss allowance to noncurrent loans | 368.9370% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 6,121 |
| Noncurrent loans to loans | 0.4909% | 6,034 |
| Net loans and leases to total assets | 65.8623% | 3,051 |
| Net loans and leases to deposits | 83.3976% | 2,117 |
| Net loans and leases to core deposits | 87.6741% | 2,647 |
| Total domestic deposits to total assets | 78.9739% | 6,196 |
| Equity capital to assets | 11.6243% | 2,181 |
| Core capital (leverage) ratio | 11.2494% | 2,005 |
| Tier 1 risk-based capital ratio | 17.7572% | 2,198 |
| Total risk-based capital ratio | 19.0156% | 2,160 |
| Memoranda: |
| Average total assets | $293,163,500 | 2,203 |
| Average earning assets | $270,193,000 | 2,196 |
| Average equity | $33,971,500 | 1,946 |
| Average total loans | $197,420,000 | 2,130 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1805% | 593 |
| Cost of funding earning assets | 0.5545% | 7,222 |
| Net interest margin | 5.6260% | 144 |
| Noninterest income to average assets | 1.2576% | 937 |
| Noninterest expense to average assets | 3.2147% | 3,035 |
| Loan and lease loss provision to assets | 0.2010% | 5,226 |
| Net operating income to assets | 2.9846% | 75 |
| Return on assets (ROA) | 3.5266% | 50 |
| Pretax return on assets | 3.5291% | 87 |
| Return on Equity (ROE) | 29.9663% | 43 |
| Retained earnings to average equity (ytd only) | 20.8172% | 50 |
| Net charge-offs to loans | 0.0811% | 6,015 |
| Credit loss provision to net charge-offs | 358.9744% | 714 |
| Earnings coverage of net charge-offs (x) | 56.9423% | 412 |
| Efficiency ratio | 50.2074% | 7,110 |
| Assets per employee ($millions) | 2.8630% | 6,413 |
| Cash dividends to net income (ytd only)* | 30.5312% | 3,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7363% | 3,085 |
| Loan loss allowance to noncurrent loans | 1,071.2500% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 6,797 |
| Noncurrent loans to loans | 0.1621% | 6,745 |
| Net loans and leases to total assets | 66.4337% | 3,374 |
| Net loans and leases to deposits | 86.0540% | 2,086 |
| Net loans and leases to core deposits | 88.5243% | 2,977 |
| Total domestic deposits to total assets | 77.2000% | 6,451 |
| Equity capital to assets | 11.5512% | 2,220 |
| Core capital (leverage) ratio | 11.4729% | 1,848 |
| Tier 1 risk-based capital ratio | 17.5841% | 2,140 |
| Total risk-based capital ratio | 18.8414% | 2,104 |
| Memoranda: |
| Average total assets | $278,626,000 | 2,293 |
| Average earning assets | $254,816,400 | 2,300 |
| Average equity | $32,790,200 | 2,004 |
| Average total loans | $192,440,800 | 2,227 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1694% | 658 |
| Cost of funding earning assets | 0.5900% | 7,308 |
| Net interest margin | 5.5794% | 151 |
| Noninterest income to average assets | 1.2593% | 868 |
| Noninterest expense to average assets | 3.3788% | 2,360 |
| Loan and lease loss provision to assets | 0.0189% | 6,862 |
| Net operating income to assets | 2.9448% | 84 |
| Return on assets (ROA) | 3.6762% | 48 |
| Pretax return on assets | 3.6859% | 83 |
| Return on Equity (ROE) | 31.0853% | 44 |
| Retained earnings to average equity (ytd only) | 24.9420% | 32 |
| Net charge-offs to loans | 0.0725% | 5,790 |
| Credit loss provision to net charge-offs | 37.5000% | 6,046 |
| Earnings coverage of net charge-offs (x) | 59.0302% | 492 |
| Efficiency ratio | 53.1910% | 6,872 |
| Assets per employee ($millions) | 2.8007% | 6,584 |
| Cash dividends to net income (ytd only)* | 19.7628% | 2,981 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5184% | 3,880 |
| Loan loss allowance to noncurrent loans | 1,013.3562% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 6,716 |
| Noncurrent loans to loans | 0.1498% | 6,875 |
| Net loans and leases to total assets | 68.5228% | 3,090 |
| Net loans and leases to deposits | 90.2208% | 1,696 |
| Net loans and leases to core deposits | 93.1920% | 2,632 |
| Total domestic deposits to total assets | 75.9502% | 6,669 |
| Equity capital to assets | 12.5274% | 1,839 |
| Core capital (leverage) ratio | 11.9221% | 1,710 |
| Tier 1 risk-based capital ratio | 17.3890% | 2,211 |
| Total risk-based capital ratio | 18.6437% | 2,171 |
| Memoranda: |
| Average total assets | $275,277,000 | 2,349 |
| Average earning assets | $251,275,750 | 2,361 |
| Average equity | $32,554,750 | 2,036 |
| Average total loans | $191,193,750 | 2,275 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1239% | 720 |
| Cost of funding earning assets | 0.6251% | 7,351 |
| Net interest margin | 5.4988% | 170 |
| Noninterest income to average assets | 1.1978% | 900 |
| Noninterest expense to average assets | 3.4288% | 2,194 |
| Loan and lease loss provision to assets | 0.0132% | 6,780 |
| Net operating income to assets | 2.7529% | 107 |
| Return on assets (ROA) | 3.8564% | 50 |
| Pretax return on assets | 3.8673% | 76 |
| Return on Equity (ROE) | 33.2818% | 39 |
| Retained earnings to average equity (ytd only) | 33.2818% | 19 |
| Net charge-offs to loans | 0.0621% | 5,521 |
| Credit loss provision to net charge-offs | 30.5085% | 5,726 |
| Earnings coverage of net charge-offs (x) | 64.4068% | 482 |
| Efficiency ratio | 55.2520% | 6,732 |
| Assets per employee ($millions) | 2.6664% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5668% | 3,599 |
| Loan loss allowance to noncurrent loans | 355.5423% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 6,336 |
| Noncurrent loans to loans | 0.4407% | 6,361 |
| Net loans and leases to total assets | 68.9058% | 3,146 |
| Net loans and leases to deposits | 79.9474% | 3,607 |
| Net loans and leases to core deposits | 83.4111% | 4,223 |
| Total domestic deposits to total assets | 86.1889% | 2,985 |
| Equity capital to assets | 12.5150% | 1,792 |
| Core capital (leverage) ratio | 11.5409% | 1,893 |
| Tier 1 risk-based capital ratio | 16.9763% | 2,287 |
| Total risk-based capital ratio | 18.2310% | 2,238 |
| Memoranda: |
| Average total assets | $273,678,330 | 2,379 |
| Average earning assets | $249,254,000 | 2,402 |
| Average equity | $31,711,000 | 2,083 |
| Average total loans | $189,967,330 | 2,314 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4366% | 403 |
| Cost of funding earning assets | 0.6400% | 7,472 |
| Net interest margin | 5.7966% | 130 |
| Noninterest income to average assets | 1.0403% | 1,178 |
| Noninterest expense to average assets | 3.3818% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.9257% | 98 |
| Return on assets (ROA) | 5.1259% | 44 |
| Pretax return on assets | 5.1375% | 54 |
| Return on Equity (ROE) | 46.0660% | 30 |
| Retained earnings to average equity (ytd only) | 46.0660% | 23 |
| Net charge-offs to loans | 0.0190% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 151 |
| Efficiency ratio | 53.5163% | 7,020 |
| Assets per employee ($millions) | 2.7652% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6075% | 3,406 |
| Loan loss allowance to noncurrent loans | 2,691.9643% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 7,028 |
| Noncurrent loans to loans | 0.0597% | 7,253 |
| Net loans and leases to total assets | 68.1003% | 3,360 |
| Net loans and leases to deposits | 78.2942% | 3,983 |
| Net loans and leases to core deposits | 82.1822% | 4,461 |
| Total domestic deposits to total assets | 86.9800% | 2,636 |
| Equity capital to assets | 11.7440% | 2,205 |
| Core capital (leverage) ratio | 10.7687% | 2,393 |
| Tier 1 risk-based capital ratio | 16.4931% | 2,454 |
| Total risk-based capital ratio | 17.7487% | 2,402 |
| Memoranda: |
| Average total assets | $274,529,000 | 2,435 |
| Average earning assets | $250,008,500 | 2,448 |
| Average equity | $30,547,500 | 2,185 |
| Average total loans | $189,755,500 | 2,378 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1808% | 1,291 |
| Cost of funding earning assets | 0.8969% | 7,409 |
| Net interest margin | 5.2839% | 250 |
| Noninterest income to average assets | 1.3213% | 860 |
| Noninterest expense to average assets | 3.1103% | 3,689 |
| Loan and lease loss provision to assets | 0.5980% | 3,400 |
| Net operating income to assets | 2.4850% | 92 |
| Return on assets (ROA) | 2.9656% | 62 |
| Pretax return on assets | 2.9741% | 101 |
| Return on Equity (ROE) | 31.2173% | 44 |
| Retained earnings to average equity (ytd only) | 9.7203% | 397 |
| Net charge-offs to loans | 0.0869% | 6,252 |
| Credit loss provision to net charge-offs | 1,091.3043% | 270 |
| Earnings coverage of net charge-offs (x) | 56.4161% | 469 |
| Efficiency ratio | 50.1509% | 7,531 |
| Assets per employee ($millions) | 2.6997% | 6,857 |
| Cash dividends to net income (ytd only)* | 68.8626% | 1,607 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5754% | 3,374 |
| Loan loss allowance to noncurrent loans | 1,634.5946% | 238 |
| Noncurrent assets plus other real estate owned to assets | 1.5403% | 4,068 |
| Noncurrent loans to loans | 0.0964% | 7,171 |
| Net loans and leases to total assets | 67.9427% | 3,715 |
| Net loans and leases to deposits | 77.0216% | 4,559 |
| Net loans and leases to core deposits | 85.3375% | 5,588 |
| Total domestic deposits to total assets | 88.2126% | 1,878 |
| Equity capital to assets | 10.5262% | 3,148 |
| Core capital (leverage) ratio | 9.3000% | 3,976 |
| Tier 1 risk-based capital ratio | 13.9454% | 3,535 |
| Total risk-based capital ratio | 15.2003% | 3,484 |
| Memoranda: |
| Average total assets | $293,798,600 | 2,257 |
| Average earning assets | $271,371,000 | 2,228 |
| Average equity | $27,910,800 | 2,381 |
| Average total loans | $185,331,200 | 2,453 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1035% | 1,640 |
| Cost of funding earning assets | 0.9490% | 7,485 |
| Net interest margin | 5.1546% | 325 |
| Noninterest income to average assets | 1.2543% | 984 |
| Noninterest expense to average assets | 3.1079% | 3,619 |
| Loan and lease loss provision to assets | 0.7537% | 2,484 |
| Net operating income to assets | 2.1598% | 201 |
| Return on assets (ROA) | 2.7922% | 80 |
| Pretax return on assets | 2.8025% | 128 |
| Return on Equity (ROE) | 30.1517% | 61 |
| Retained earnings to average equity (ytd only) | 8.3903% | 1,012 |
| Net charge-offs to loans | 0.1002% | 5,666 |
| Credit loss provision to net charge-offs | 1,219.5652% | 312 |
| Earnings coverage of net charge-offs (x) | 47.3104% | 668 |
| Efficiency ratio | 51.5257% | 7,445 |
| Assets per employee ($millions) | 2.7918% | 6,659 |
| Cash dividends to net income (ytd only)* | 72.1732% | 1,200 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5964% | 3,003 |
| Loan loss allowance to noncurrent loans | 2,562.9310% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 6,989 |
| Noncurrent loans to loans | 0.0623% | 7,346 |
| Net loans and leases to total assets | 63.7303% | 4,919 |
| Net loans and leases to deposits | 74.3482% | 5,319 |
| Net loans and leases to core deposits | 83.2244% | 6,104 |
| Total domestic deposits to total assets | 85.7187% | 2,849 |
| Equity capital to assets | 9.8575% | 4,269 |
| Core capital (leverage) ratio | 8.2591% | 5,905 |
| Tier 1 risk-based capital ratio | 13.4521% | 3,894 |
| Total risk-based capital ratio | 14.7065% | 3,822 |
| Memoranda: |
| Average total assets | $297,731,250 | 2,243 |
| Average earning assets | $275,943,000 | 2,224 |
| Average equity | $27,571,000 | 2,429 |
| Average total loans | $183,676,250 | 2,493 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9119% | 2,534 |
| Cost of funding earning assets | 1.0141% | 7,524 |
| Net interest margin | 4.8978% | 544 |
| Noninterest income to average assets | 1.2792% | 934 |
| Noninterest expense to average assets | 3.0346% | 3,952 |
| Loan and lease loss provision to assets | 0.1295% | 5,808 |
| Net operating income to assets | 2.6600% | 86 |
| Return on assets (ROA) | 2.6600% | 98 |
| Pretax return on assets | 2.6700% | 159 |
| Return on Equity (ROE) | 29.3270% | 79 |
| Retained earnings to average equity (ytd only) | 7.3592% | 1,446 |
| Net charge-offs to loans | 0.0678% | 5,557 |
| Credit loss provision to net charge-offs | 314.5161% | 1,480 |
| Earnings coverage of net charge-offs (x) | 67.9839% | 544 |
| Efficiency ratio | 52.0150% | 7,513 |
| Assets per employee ($millions) | 3.7242% | 4,271 |
| Cash dividends to net income (ytd only)* | 74.9064% | 1,211 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8374% | 7,028 |
| Loan loss allowance to noncurrent loans | 672.8448% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 6,953 |
| Noncurrent loans to loans | 0.1245% | 7,206 |
| Net loans and leases to total assets | 59.8020% | 5,713 |
| Net loans and leases to deposits | 69.2905% | 6,067 |
| Net loans and leases to core deposits | 78.2038% | 6,535 |
| Total domestic deposits to total assets | 86.3063% | 2,620 |
| Equity capital to assets | 8.8559% | 5,517 |
| Core capital (leverage) ratio | 7.8726% | 6,528 |
| Tier 1 risk-based capital ratio | 13.0485% | 4,112 |
| Total risk-based capital ratio | 13.8895% | 4,323 |
| Memoranda: |
| Average total assets | $301,122,670 | 2,252 |
| Average earning assets | $280,043,000 | 2,225 |
| Average equity | $27,312,670 | 2,445 |
| Average total loans | $182,823,670 | 2,535 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9666% | 2,498 |
| Cost of funding earning assets | 1.1446% | 7,433 |
| Net interest margin | 4.8220% | 581 |
| Noninterest income to average assets | 1.2991% | 846 |
| Noninterest expense to average assets | 3.0088% | 3,727 |
| Loan and lease loss provision to assets | 0.1615% | 4,869 |
| Net operating income to assets | 2.5995% | 110 |
| Return on assets (ROA) | 2.5995% | 135 |
| Pretax return on assets | 2.6089% | 212 |
| Return on Equity (ROE) | 28.3117% | 122 |
| Retained earnings to average equity (ytd only) | 6.3192% | 2,487 |
| Net charge-offs to loans | 0.0376% | 4,981 |
| Credit loss provision to net charge-offs | 705.8824% | 841 |
| Earnings coverage of net charge-offs (x) | 121.0588% | 362 |
| Efficiency ratio | 52.0615% | 7,409 |
| Assets per employee ($millions) | 3.0393% | 6,049 |
| Cash dividends to net income (ytd only)* | 77.6800% | 1,116 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8397% | 7,012 |
| Loan loss allowance to noncurrent loans | 617.3387% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 6,802 |
| Noncurrent loans to loans | 0.1360% | 7,132 |
| Net loans and leases to total assets | 58.3232% | 5,891 |
| Net loans and leases to deposits | 64.8162% | 6,481 |
| Net loans and leases to core deposits | 73.0388% | 6,862 |
| Total domestic deposits to total assets | 89.9825% | 811 |
| Equity capital to assets | 9.0304% | 5,320 |
| Core capital (leverage) ratio | 7.8681% | 6,667 |
| Tier 1 risk-based capital ratio | 12.8514% | 4,290 |
| Total risk-based capital ratio | 13.6836% | 4,506 |
| Memoranda: |
| Average total assets | $297,131,500 | 2,290 |
| Average earning assets | $276,069,500 | 2,258 |
| Average equity | $27,282,000 | 2,468 |
| Average total loans | $181,029,500 | 2,582 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3037% | 591 |
| Cost of funding earning assets | 1.7711% | 7,085 |
| Net interest margin | 5.5326% | 198 |
| Noninterest income to average assets | 1.5912% | 553 |
| Noninterest expense to average assets | 3.6405% | 2,060 |
| Loan and lease loss provision to assets | 0.0575% | 6,694 |
| Net operating income to assets | 2.9638% | 70 |
| Return on assets (ROA) | 2.9646% | 68 |
| Pretax return on assets | 2.9768% | 99 |
| Return on Equity (ROE) | 29.5133% | 66 |
| Retained earnings to average equity (ytd only) | 5.1490% | 1,932 |
| Net charge-offs to loans | 0.1405% | 4,813 |
| Credit loss provision to net charge-offs | 56.6265% | 6,271 |
| Earnings coverage of net charge-offs (x) | 29.8675% | 1,175 |
| Efficiency ratio | 54.5471% | 7,208 |
| Assets per employee ($millions) | 2.6566% | 6,874 |
| Cash dividends to net income (ytd only)* | 82.5537% | 1,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7946% | 7,128 |
| Loan loss allowance to noncurrent loans | 326.7735% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 6,897 |
| Noncurrent loans to loans | 0.2432% | 6,656 |
| Net loans and leases to total assets | 62.7230% | 5,504 |
| Net loans and leases to deposits | 72.3464% | 6,018 |
| Net loans and leases to core deposits | 81.6189% | 6,489 |
| Total domestic deposits to total assets | 86.6983% | 2,093 |
| Equity capital to assets | 9.3469% | 4,876 |
| Core capital (leverage) ratio | 8.9002% | 4,886 |
| Tier 1 risk-based capital ratio | 12.8122% | 4,210 |
| Total risk-based capital ratio | 13.6006% | 4,439 |
| Memoranda: |
| Average total assets | $245,161,800 | 2,601 |
| Average earning assets | $225,227,000 | 2,595 |
| Average equity | $24,626,200 | 2,678 |
| Average total loans | $177,248,200 | 2,532 |
